Job Description

Senior Mortgage Relationship Supervisor
USVI/BVI

Job Summary

Responsible for leading mortgage business
development and relationship management activities throughout the Eastern
Caribbean Region, including St. Thomas, St. Croix and British
Virgin Islands. The role drives strategic growth by developing
and maintaining strong relationships with REALTORS®, builders, community
partners, branch personnel, corporate mortgage partners, and other key referral
sources. This position identifies and cultivates new business opportunities,
manages lead generation and pipeline activities, monitors loan progress from
application through closing, and serves as a liaison between regional
stakeholders and corporate mortgage functions. The Senior Mortgage Relationship Supervisor also
coordinates with processing, underwriting, and closing teams, including
day-to-day coordination of the Regional Closing Officer, to ensure
documentation is complete, issues are resolved timely, and customers receive a
professional, efficient, and positive closing experience.

Essential Responsibilities:

• Strategic Market Growth and Business Development: Develop and execute market growth plans
  in partnership with FirstBank branches, corporate mortgage partners,
  REALTORS®, builders, attorneys, financial advisors, community partners, and
  other referral sources to increase mortgage originations, referral activity,
  and market share throughout USVI and BVI.

• Relationship Management and Market Presence: Build, maintain, and deepen profitable relationships with customers, referral
  partners, branch personnel, corporate partners, and community stakeholders
  through networking, community involvement, client visits, branch activities,
  conventions, corporate initiatives, and targeted prospecting.

• Lead Generation and Pipeline Management: Identify and cultivate new business opportunities, maintain lead records and
  follow-up activities in Velocify or other assigned systems, monitor pipeline
  status from application through closing, and analyze lead conversion,
  referral source performance, pipeline trends, and production results to
  identify growth opportunities and process improvements.

• Customer Consultation and Loan Origination: Interview customers, assess financial needs and preliminary eligibility,
  explain mortgage products and process expectations, identify appropriate
  mortgage solutions and cross-sell opportunities, complete loan applications,
  promote digital tools and e-consent, deliver required disclosures accurately
  and timely, obtain intent to proceed, and collect initial documentation and
  applicable fees.

• Documentation, Compliance, and System Accuracy: Compile, organize, validate, and maintain accurate customer and loan
  documentation according to loan type; ensure required information is entered
  in mortgage systems; use assigned programs and technology to monitor loan
  status; and comply with applicable lending laws, regulations, policies, and
  disclosure requirements.

• Cross-Functional Coordination and Corporate Liaison: Serve as a liaison with corporate mortgage partners and coordinate with
  processing, underwriting, closing, branch teams, and other mortgage units to
  resolve outstanding items, support timely credit approval, address issues
  affecting documentation completeness or closing timelines, and maintain
  proactive communication with customers and referral partners throughout the
  loan lifecycle.

• Maintain professional knowledge by participating in educational
  opportunities, monitoring market trends, maintaining business networks, and
  engaging with professional organizations.Closing Experience and Regional Closing Officer Coordination: Supervise and provide day-to-day coordination to the assigned Regional
  Closing Officer supporting the USVI mortgage pipeline, ensuring closing
  documents are complete, follow-up is timely, pipeline status is current, and
  the customer closing experience is smooth and professional.
  

Other Responsibilities:

• Support other
  First Mortgage units as required.
  
• Work on special
  projects/assignments as requested by management.
• Occasionally,
  responsibilities may include handling loan closings.
• Must be willing
  to work evenings and weekends
• Perform other duties as assigned.

Independence of Judgment:

The degree of
judgement is related to integration or coordination of varied elements and
its applications to specific subjects.

Supervisory Responsibilities:

This job has direct supervisory responsibilities. May have other supervisory responsibilities as needed.

Competencies:

• Strong written and verbal
  communication for reports, presentations, in Spanish and english.
• Prioritize tasks, manage deadlines, and coordinate
  resources effectively.
• Handle sensitive financial and personnel
  information responsibly.
• Ability to use Microsoft Office tools, banking
  software, data security protocols, and digital platforms.
• Sales skills to promote loan products and services.
• Understand and respond to internal and external
  client needs.
• Strong business development and relationship management
  skills, including the ability to identify growth opportunities, cultivate
  referral networks, strengthen customer and partner relationships, and convert
  market opportunities into mortgage production.
• Strong
  knowledge of market conditions, referral source management, and competitive
  environment.
• Ability
  to analyze production reports, pipeline metrics, and sales performance
  indicators.
• Ability
  to develop strategic partnerships and execute business growth initiatives.
• Strong
  presentation, networking, and public speaking skills.
• Knowledge of laws, regulatory compliance and other
  financial regulations.
• Knowledge of the mortgage industry, including state
  and federal regulations, and loan products and services.
• Anticipates and provides service
  excellence to both internal and external customers
• Establishes, sustains and fosters
  both internal and professional contacts to build, enhance, and connect to
  FirstBank services
• Delivers clear, effective
  communication and takes responsibility for understanding others.
• Understands how the organization
  works, including, current and future policies, practices and trends
• Identifies problems and conducts
  appropriate analyses involving others to searches for best solutions
• Takes initiative and assumes
  personal accountability for goals, outcomes and deadlines
• The employee understands
  organization’s vision and upholds the organizations values in everyday words
  and actions.
• At higher levels the employee
  takes a long-term view and share with others the vision and the organization
  path ahead.
• Provides direction to help teams
  achieve goals and operate cooperatively and cohesively
• Demonstrate curiosity for learning
  and perform activities to make the most of their skills and boost potential
  in self and others
• Creates a view of change as an
  opportunity and inspires others.
• Looks for new ways to experiment
  with new ideas and approaches

Impact of Errors:

The impact of errors of this position could affect strategic results or Bank image through the regulatory
agencies, customers and the community.

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.

Specific vision abilities required by this job include close vision and distance vision. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to stand and walk. In addition, there will be instances to meet with clients or providers off Bank premises.

Minimum Requirements:

Bachelor's Degree finance, Economics or a related
field or Equivalent combination of
education and experience. 3 - 5 years Experience
in the Mortgage Business in a similar position, of residential mortgage
lending experience with a focus on generating business is preferred. Entry-level Mortgage Loan Officers
usually have 1 to 2 years of experience in the financial services industry,
often through roles such as Loan Processor, Loan Assistant, or Customer
Service Representative in a bank or credit union.

Disclaimer:

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not indented to be an exhaustive list of all responsibilities, duties, skills required of personnel so classified. The reporting relationship may not reflect the most recent changes to the corporate reporting structure.

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