Mortgage Loan Manager

Competitive Startup Salary + Long-Term Commission Earning Potential This role offers an elevated base salary during the initial mortgage program buildout period, followed by a performance-driven compensation structure with strong commission opportunities and long-term growth potential. Job Summary We are seeking a dynamic and detail-oriented Mortgage Loan Manager to lead our mortgage lending operations. The Mortgage Production Manager is responsible for developing, implementing, and growing the Bank's residential mortgage lending platform, including both portfolio mortgage products and brokered mortgage originations through approved wholesale partners. This role combines strategic leadership, individual production, and limited loan processing responsibilities, serving as the Bank's primary subject-matter expert for residential mortgage lending. The position will drive mortgage volume, enhance customer relationships, and ensure the Bank delivers a competitive, compliant, and relationship-focused mortgage offering. In the initial phase of the program, this role will also be responsible for managing and executing the loan processing function, ensuring timely, accurate, and compliant loan files from application through closing. Responsibilities Mortgage Program Development & Oversight 1. Establish, manage, and maintain relationships with approved wholesale mortgage partners (e.g., Rocket Mortgage/Pro, UWM, or similar). 2. Lead the design, implementation, and ongoing management of the Bank's portfolio mortgage products, including equity, adjustable-rate mortgage offerings, and other in- house solutions. 3. Assist in the development, documentation, and maintenance of: Mortgage lending policies and procedures Broker/wholesale lending processes and controls Portfolio underwriting guidelines Product structures and eligibility criteria Pricing frameworks and exception authorities 4. Monitor mortgage market trends and secondary market conditions to inform product strategy. 5. Serve as the Bank's internal expert on mortgage lending. Loan Origination, Processing & Relationship Management 1. Originate residential mortgage loans, including: Primary residences Secondary residences (as permitted) 2. Perform and manage loan processing responsibilities which may include: Collecting and reviewing borrower documentation Structuring complete and accurate loan files Submitting loans to wholesale partners or internal underwriting Coordinating third-party services when needed Managing conditions and clearing stipulations Ensuring files are complete and ready for closing 3. Serve as the primary point of contact for borrowers throughout the loan lifecycle, ensuring a high level of service, communication, and responsiveness. 4. Evaluate borrower needs and recommend appropriate loan structures aligned with Bank strategy and customer objectives. 5. Partner effectively with internal partners which may include: Commercial lenders Credit and underwriting teams Operations and processing partners Branch and retail teams 6. Support relationship retention and expansion, minimizing loss of customers to outside mortgage providers, and identifying opportunities to deepen deposit and banking relationships. Compliance & Risk Management 1. Ensure all mortgage origination and processing activities comply with applicable regulations, including: Regulation Z Fair Lending requirements SAFE Act / NMLS requirements All applicable federal and state laws and Bank policies 2. Maintain active NMLS registration/license and required continuing education. 3. Ensure accuracy and completeness of loan files, including: Proper disclosures Timely documentation Audit-ready loan files 4. Adhere to established loan pricing and compensation structures to ensure consistency and regulatory compliance. Business Development & Market Leadership 1. Develop and maintain referral networks including: Existing Bank customers Business owners and professionals Realtors, builders, and community partners 2. Serve as the Bank's primary mortgage representative in all Bank markets. 3. Support the Bank's deposit growth strategy by encouraging primary banking relationships and promoting appropriate deposit products and treasury services. 4. Participate in community and business development activities to generate loan opportunities. Required Qualifications 1. 5-10+ years of residential mortgage lending experience, including loan origination and processing 2. Active NMLS Mortgage Loan Originator registration or ability to obtain upon hire 3. Strong knowledge of Conventional, government, and jumbo mortgage programs. Adjustable-rate mortgage (ARM) structures. Mortgage underwriting and documentation requirements 4. Experience working with wholesale/brokered mortgage channels and/or portfolio lending 5. Ability to independently manage multiple loans in a fast-paced environment 6. Strong attention to detail and organizational skills Preferred Qualifications 1. Experience in a community bank or relationship-based lending environment 2. Experience launching or scaling a mortgage program 3. Familiarity with portfolio lending and interest rate risk considerations 4. Established referral network in the Bank's market area Performance Expectations Achieve established mortgage production goals Successfully manage loan pipeline from application through closing without dedicated processing support Maintain high levels of customer satisfaction and responsiveness Contribute to deposit and relationship growth Maintain strong file quality with no material compliance exceptions

Pay:

$55,000.00 - $150,000.00 per year

Benefits:

401(k) Dental insurance Health insurance Life insurance Paid time off Vision insurance

Experience:

Mortgage Loan Origination:

5 years (Required)

License/Certification:

NMLS Certification (Required) Willingness to travel: 100% (Required)

Work Location:

Hybrid remote in Decatur, MI 49045