Mortgage Market Manager, Strat

At Citizens, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens is honored to be a top Lender in the Mortgage sector and is focused on growing our market share in the states we currently operate. We are currently hiring a talented Producing Sales Manager who proactively identifies, develops and maintains a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts.

You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gathering any additional required information.

It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives. 

Primary responsibilities include

• Effectively manage the assigned territory to meet state goals; this will include retail branch assignments, geographic territory alignments, commercial loan officer coverage and the communication of these assignments to the loan officers within.
• Provides guidance and training to loan officers in relating customer needs to the service capabilities of the Bank; the appropriate selection, preparation, execution of all documentation; banking laws/regs and financial analysis.
• Ensures that the group generates high quality, profitable residential mortgage loans consistent with CMC policies, procedures and standards and federal regulations and guidelines.
• Responsible for sourcing and recruiting new loan officers to support the established sales goals for the group.
• Provides guidance and training to loan officers, to enhance branch referrals by developing relationships through branch visitation.
• Personally generate residential mortgage loans to meet established goals; handle the most senior customer relationships and major transactions.
• Contribute to enhancing the image of the Bank through active participation in professional, civic, and community organizations.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Required Qualifications
  • 4+ years of residential mortgage sales experience.
  • Minimum 5 years mortgage management experience.
  • Proven record of recruiting success.
  • $10MM in annual closed loan volume.
  • Excellent sales presentation and marketing skills.
  • Excellent written, organizational and communication skills required.
  • Working knowledge of FNMA-DU/FHLMC/LP.
  • Referral network, required.
  • Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the pre-employment screening checks and obtaining a unique identifier from the NMLS.
• Preferred Qualifications
  • Bachelor's Degree, preferred.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday - Friday

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

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Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.