Mortgage Department Manager

Pay or shift range: $115,000 USD to $155,000 USD. The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

Mortgage Department Manager is responsible for overseeing the full lifecycle of mortgage operations—from origination through closing—while also leading the mortgage sales team to achieve production goals. This role ensures operational excellence, regulatory compliance, and a high level of customer satisfaction, while also driving sales performance, coaching loan officers, and aligning sales strategies with organizational objectives.

This position will work closely with the Executive Team and Loan Servicing Manager to ensure timely, efficient, consistent, and accurate loan processing while ensuring compliance with internal policies and industry regulations.

Mortgage Department Manager will direct, administer, participate and coordinate the activities of the mortgage lending and mortgage/retail loan processing functions in accordance with established Bank goals and objectives. This position will direct and participate in the establishment of residential lending goals; return on investment objectives; the development and implementation of policies and programs to ensure the achievement of those goals.

This position will work extensively with the secondary market programs and must know Fannie Mae, Freddie Mac, Jumbo, MHFA, FHA, VA, MI and RD underwriting guidelines, and guidelines for all investors for which Citizens Alliance Bank has delegated underwriting authority.

This position will report to the Executive Team. The level of this position is based on years of service, education and/or equivalent experience, knowledge level and skill set.

• Assign the workload of the Mortgage Manager direct reports, ensuring they are properly trained to perform their duties, evaluate their performance, and recommend any disciplinary action if necessary.
• Assist the Human Resources department in staffing the lending department which includes, interviewing, hiring, promoting, terminating.
• Lead, coach, and mentor the mortgage lending team to meet or exceed monthly and annual loan production goals.
• Conduct regular training and performance reviews to develop staff capabilities and career progression.
• Foster a collaborative environment between lenders and operations to promote seamless loan processing and customer satisfaction.
• Foster a culture of accountability, motivation, and continuous improvement within the lending team.
• Oversee all aspects of mortgage operations including origination, processing, underwriting, closing, and funding.
• Manage and optimize workflows using LOS platforms (e.g., Encompass) to ensure efficiency and compliance.
• Monitor loan pipeline and reassign workloads to maintain balance and timely processing.
• Serve as the escalation point for complex loan scenarios and customer concerns.
• Collaborate with IT and vendor partners to enhance mortgage technology capabilities.
• Oversee quality control procedures to ensure loan accuracy and compliance.
• Manage financial tasks including budgeting, P&L monitoring, loan pricing, and fee reviews.
• Ensure compliance with federal and state regulations, the Bank’s loan policy, and investor guidelines (TILA, RESPA, HMDA, FHA, VA, USDA, Fannie Mae, Freddie Mac, etc.).
• Maintain a strong culture of compliance, ethics, and customer service.
• Stay current with changes in mortgage regulations and investor guidelines.
• Provide regular updates to executive leadership on operational performance, sales metrics, and strategic initiatives.
• Act as liaison between lending, marketing, risk, operations, and compliance departments to ensure alignment and effective communication across the mortgage division.
• Track and report on sales performance metrics; identify areas for improvement and implement corrective actions.
• Support lead generation efforts via marketing initiatives, community outreach and referral partnerships.
• Ensure product offering aligns with organization’s strategy and market expectations.
• Collaborate with…