Job Description

As a Mortgage Area Manager, you will manage and direct Producing Sales Managers and loan officers to attain sales, service, and CRA goals in generating residential mortgage loans that are in accordance with established standards, policies/procedures and regulations. You will be responsible for the development of a marketing and business plan for the group and serving as a CMC representative to the realtor community, Citizens customers, homebuyers, homeowners, and not-for-profit agencies. You will manage relationship with the Bank for his/her respective market (in footprint only). Enhance branch referrals by developing relationships through branch visitation and ongoing communication regarding product changes, market conditions and competition.

Primary responsibilities include

• Responsible for sourcing and recruiting new loan officers and Producing Sales Managers to support the established sales goals for the group.
• Loan Officers must meet minimum qualification standards. Quarterly and Annual goals will be established.
• Exercise authority of a manager concerning performance appraisals, promotions, salary recommendations, performance management and termination. Span of Control is 20 -30 PSMs and LOs.
• Including Recruiting, responsible for meeting all Management By Objectives (MBOs) including: Retention, Service Quality, Risk/Compliance, Customer Focused Fulfillment.
• Ensures that the group generates high quality, profitable residential mortgage loans consistent with CMC policies/procedures and standards and federal regulations/guidelines. Provides guidance and training to loan officers and PSMs for the following areas: customer service needs, products, guidelines and pricing.
• Manage relationship with the Bank for their respective market (in footprint only).
• Enhance branch referrals by developing relationships through branch visitation and ongoing communication regarding product changes, market conditions and competition.
• Manage retail branch assignments, geographic territory alignments, commercial loan officer coverage and the communication of these assignments to the loan officers within this territory.
• Enhance community awareness of CMC products and the attainment of CRA goals through conducting sales presentations, homebuyer seminars and community outreach.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Required Qualifications
  • 10 plus years Residential Mortgage Sales experience.
  • 7 plus years management experience in Mortgage Sales environment.
  • Strong communication skills required.
  • Individual must be prepared to insure understanding of and support for all corporate and division performance standards and fiscal goals.
  • Have the proven ability to recruit top Loan Officer's for assigned region.
  • 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.

Pay Transparency

Commissioned based. Individuals in this role have historically earned between $100,000- $250,000 per year, based on performance and productivity against commission plan parameters. A component of that compensation includes salary ranging between $65,000- $75,000 per year

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits

Below is a current list of requisition(s) that have a Jurisdiction that require disclosing a minimum and maximum hourly or salary compensation range (may include benefits) in postings but were missing the proper language in the job description.

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.

Equal Employment and Opportunity Employer

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Background Check

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.