Mortgage Risk Manager Jobs in Iowa (NOW HIRING)

Summary

Responsible for all retail functions of the Branch. Plans, directs, and controls the activities of branch personnel towards attainment of branch goals. Demonstrates proficiency in management skills including but not limited to: problem solving, decision making, team building, coaching and mentoring staff. Actively develops new retail and commercial business as well as expands on existing customer relationships. Responsible for deposit and consumer loan growth and referrals for other bank products. Responsible for making joint calls with Commercial Bankers and Cash Management staff to establish and build customer relationships. Provides enthusiastic, professional, and courteous service to customers and fellow employees. These activities are to be conducted in accordance with policies accepted by the bank in order to provide a secure pleasant atmosphere where customers will receive prompt accurate service extended in a friendly professional manner. Must be a leader in promoting high morale, in exhibiting positive attitudes toward customers and with fellow employees, instilling a sense of team spirit, and support company initiatives.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

Branch Operations:

• Responsible for day-to-day operations, performance, and profitability of a full service branch.
• Ensures efficient operation of the branch building including; opening and closing, reconciling GL’s, balancing ATM, and complying with auditing procedures, policies, and banking regulations.
• Maintains prescribed security controls to protect the branch against criminal and fraudulent operations and unnecessary risk or exposure.
• Ensures all bank policies and procedures are followed and communicated to employees as appropriate.
• Ensures adequate availability of staff and equipment to process transactions includes check cashing, deposits, withdrawals, and payments.
• Counsels and guides personnel in the exercise of their assigned duties to ensure required coordination and proper emphasis of efforts.
• Oversees the flow of cash and financial instruments in accordance with company policy.
• Assesses risk of all financial transactions executed by personnel.
• Collects data to analyze the present and future financial status of the organization.
• Complies and reports financial data as required by organization and government regulations.
• Directs, coordinates, and monitors activities to implement institution's policies, procedures, and practices concerning granting or extending lines of credit, commercial loans, real estate loans, and consumer credit loans.
• Directs activities involving implementation of establishment services and functions including collecting delinquent accounts, or opening accounts.
• Adheres to all Federal and State Banking regulations.

Sales & Service

• Responsible for business development and community relations enhancement while maintaining a positive and professional image of the bank.
• Promotes the bank’s products and services. Actively seeks cross-sell, up-sell, & referral opportunities.
• Reviews existing account relationships for opportunities to meet additional needs with other products and services.
• Provides enthusiastic, professional and courteous service to both internal and external customers.
• Makes business development calls on both current and prospective retail and business customers.
• Participates in civic and community activities to generate visibility and contact for the bank.
• Promotes sales and service culture, and coordinates cross-selling of products and services in accordance with bank’s goals and objectives.
• Coaches & mentors employees on profiling and needs assessments of new and existing customers.
• Resolves customers concerns and complaints effectively and efficiently.
• Coordinates the maintenance of physical property and equipment with the EVP-Security/Facilities, to assure effective working order and appearance.
• Follows established precautionary procedures to assure that maximum security of the branch prevails at all times.
• Provides back-up support to staff.
• Adheres to all State and Federal Banking Regulations.

Lending

• Provides consumer lending services in compliance with bank policies, procedures, and regulation.
• Examines, evaluates, and processes consumer loan applications, which includes secondary market mortgage loans.
• Approves loan applications within delegated authority.
• Maintains quality loan portfolio, meeting the bank’s prescribed objectives regarding loan growth, past dues, charge offs, and non-accruals.
• Performs loan collection efforts.

Supervisory Responsibilities

• Manages branch retail employees.
• Coaches staff to achieve established branch and retail department goals.
• Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.
• Makes recommendations regarding selection of new employees, salary increases, promotions, transfers, disciplinary actions, and terminations.
• Monitors employee performance, gives ongoing feedback on performance, and conducts effective performance reviews at least annually.
• Addresses employee complaints and resolves problems.
• Coaches, counsels and provides general direction and guidance to direct reports.
• Holds branch staff meetings as needed to keep employees informed and communicate pertinent information.
• Authorize and approve transactions which exceed limits of the staff.

Core Competencies

To be successful in this role, the employee must demonstrate sound judgment, professionalism, integrity, and a commitment to the organization's mission, values, and policies. The position requires strong analytical, problem-solving, organizational, and project management skills, with the ability to manage competing priorities, adapt to changing business needs, and consistently deliver high-quality, accurate, and timely results.

The employee successful in this role, communicates effectively, both verbally and in writing, builds collaborative relationships, provides exceptional customer service, and works productively with diverse teams. This role requires initiative, accountability, continuous learning, and the ability to make informed decisions while maintaining confidentiality and exercising good judgment.

Employees are expected to contribute to a positive and inclusive work environment, demonstrate leadership appropriate to their role, embrace innovation and continuous improvement, use organizational resources responsibly,and maintain a strong commitment to safety, quality, dependability, and ethical conduct. Supervisory positions are additionally expected to effectively lead, develop, and support employees through coaching, delegation, performance management, and change leadership.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

High school diploma or general education degree (GED). Prefer at least three (3) years of retail banking experience and prior consumer lending experience. Prior management experience required.

Language Skills

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

Mathematical Skills

Ability to calculate figures and amounts such as interest and percentages.

Reasoning Ability

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

Computer Skills

To perform this job successfully, an individual should have knowledge of the Microsoft Branch Suite (Word, Excel, Outlook, Power Point, etc.).

Other Qualifications

Must be able to travel between all bank locations using own transportation.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to stand and walk. The employee is occasionally required to climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception and ability to adjust focus.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.