The Mortgage Product Manager leads the strategy, development, and performance of the mortgage product portfolio. This role manages the full product lifecycle—from market research and concept development to implementation and optimization—while ensuring compliance and competitive positioning. The position requires strong analytical skills, cross-functional collaboration, and deep knowledge of mortgage products and regulatory requirements.
What You’ll Do- Lead the strategy, development, and lifecycle management of the mortgage product portfolio, ensuring competitive positioning and regulatory compliance.
- Conduct market research, competitive analysis, and evaluate emerging trends to identify new product opportunities and enhancements.
- Build business cases for new or revised products, including market sizing, revenue potential, and profitability analysis.
- Prepare and present product reviews and recommendations to management.
- Administer and manage all product and pricing configurations within Optimal Blue, ensuring timely updates, accuracy, and coordination with Secondary Marketing and Technology teams.
- Implement product changes, investor updates, pricing strategies, and margin adjustments in alignment with business needs and regulatory requirements.
- Analyze product performance, including profitability, volumes, revenues, costs, and competitive positioning; support annual budgeting processes.
- Develop and maintain credit documentation, product plans, and related materials in partnership with mortgage technology teams.
- Ensure all product offerings, campaigns, and processes comply with legal requirements, internal policies, ethical standards, and quality controls.
- Collaborate with sales teams, external vendors, investors, and internal business partners to support product execution and continuous improvement.
- Participate in required compliance training and contribute to quality, control, and business performance objectives.
- Other Duties: This job description is not designed to cover or contain a comprehensive list of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.
- Bachelor’s Degree or equivalent in work experience
- Four or more years’ experience in mortgage banking
- Knowledge of mortgage products, guidelines, regulations, compliance and due diligence practices
- Functional experience in marketing, credit, acquisitions, product development, or analytics
- Proficiency in Microsoft applications including Word, PowerPoint, and Excel
- Strong analytical, organizational and problem-solving abilities
- Ability to perform in a fast-paced, high-pressure environment and manage changing priorities both independently and collaboratively in a team setting
- Consistently demonstrates clear and concise written and verbal communication
- Preferred Skills:
- Project Management experience
- Advanced product knowledge of non-agency/non QM, agency conventional, FHA, VA and USDA
- Must be able to pass a criminal background & credit check
- This is a full-time, non-remote position
FLSA Status
- Non-Exempt
Ready to make a difference? Apply now!
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.
Pay RangeUSD $49,972.00 - USD $76,958.00 /Yr.Skills Required
- Bachelor's degree or equivalent work experience
- Four or more years of experience in mortgage banking
- Knowledge of mortgage products, guidelines, regulations, compliance, and due diligence practices
- Functional experience in marketing, credit, acquisitions, product development, or analytics
- Proficiency in Microsoft Word, PowerPoint, and Excel
- Strong analytical, organizational, and problem-solving abilities
- Ability to work in a fast-paced, high-pressure environment and manage changing priorities independently and collaboratively
- Clear and concise written and verbal communication skills
- Project management experience
- Advanced product knowledge of non-agency/non-QM, agency conventional, FHA, VA, and USDA mortgage products
United Community Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about United Community Bank and has not been reviewed or approved by United Community Bank.
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Leave & Time Off Breadth — PTO and parental leave are presented as robust, covering vacation, sick and personal time plus federal holidays. Time-away policies are highlighted as strengths relative to base pay.
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Healthcare Strength — The package includes multiple medical plan options, company-paid short- and long-term disability, and company-paid life insurance at a high multiple of salary. These protections are positioned as core strengths of the total rewards offering.
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Retirement Support — A 401(k) with employer match and HSA with employer contributions are part of the offering. These components indicate meaningful support for long-term financial security.
United Community Bank Insights
What We Do
Since 1950, United Community has been driven to provide best-in-class service as we work to improve the financial well-being of the people and communities we serve. As a top 100 U.S. financial institution, we offer comprehensive banking, wealth management, and mortgage services, serving clients across the Southeast with more than 200 locations throughout Alabama, Georgia, North Carolina, South Carolina, Tennessee, and Florida. Our commitment to service has earned us numerous accolades, including ten J.D. Power awards for #1 in customer satisfaction in the Southeast, and consistent recognition from Forbes, including multiple appearances on their lists of World's Best Banks and America's Best Banks. We were also recognized by Newsweek as one of America's Most Trusted Companies and are a multi-year recipient of American Banker's "Best Banks to Work For" award. We are an Equal Housing Lender and Member FDIC. For a better banking experience, visit your local United Community branch today. For more information about our products and services, please visit ucbi.com.
