Mortgage Warehouse Portfolio Manager

Duties and Responsibilities include the following:

•  Serves as a client relationship representative by listening, researching, and providing complaint/inquiry resolution.

•    Performs credit due diligence on prospective clients and their mortgage production to validate conformity with Origin requirements.

•    Analyzes financial and collateral data to determine the general creditworthiness of the client / prospect, as well as the merits of the specific loan request.  Reviews loan applications, production reports, investor reports, policies and related data.  

•    Prepares written analysis of the client including company background, management and collateral performance for the loan submission package and rationale for the request.  This is done in conjunction with the Credit Department who prepares the financial analysis and spreads.    

•    Assists in drafting loan agreements, term sheets, commitment letters, and closing instructions to counsel.

•    Performs annual renewals of loans, borrowers and guarantors for credit relationships.  Proactively ensures expiring credit facilities are re-underwritten and appropriately re-established.

•    Monitors loan agreement covenants and borrowing base compliance, and report exceptions.  Maintains ongoing monitoring of the financial condition of borrowers.

•    Maintains an active role in community affairs by participation in community organizations/projects to improve the bank’s visibility in the area and offer further opportunity to acquire useful information as well as enhancing business opportunities and the marketing efforts of the bank.

Competencies - To perform the job successfully, an individual should demonstrate the following competencies:

Mortgage Industry - Knowledge of mortgage warehouse lending and understanding of the mortgage industry is preferred.

Analytical and Design - Collects and researches data; Generates creative solutions; Demonstrates attention to detail.

Problem Solving - Identifies and resolves problems in a timely manner; Develops alternative solutions.

Interpersonal Skills/Customer Service - Maintains confidentiality; Remains open to others' ideas and tries new things; Responds promptly to customer needs; Solicits customer feedback to improve service; Meets commitments.

Oral and Written Communication - Ability to communicate effectively, both orally and in writing, is key to success in the job. Listens and gets clarification; Responds well to questions; Participates in meetings; Writes clearly and informatively; Able to read and interpret written information.

Teamwork - Contributes to building a positive team spirit; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.

Organizational Support - Follows policies and procedures; Supports organization's goals and values; Benefits organization through outside activities.

Judgment and Motivation - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process.

Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently;

Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.

Adaptability and Innovation - Adapts to changes in the work environment; Manages competing demands; Develops innovative approaches and ideas.

Attendance/Punctuality and Dependability - Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.

Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above 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                                                     

Bachelor's degree (B. A.) from four-year college or university; preferably in Finance, Business, Accounting or related field; minimum of one to three years credit analysis and/or lending experience; working knowledge of federal/state laws related to banking/lending practices; or equivalent combination of education and experience.

Computer Skills                                                               

To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word and Excel.  Ability