Director of Mortgage and Consumer Fulfillment

Mechanics Bank is currently searching for a Director of Mortgage and Consumer Fulfillment to join our team. Here at Mechanics Bank, we value connection, partnership, long term relationships and working together in person. This role will be working on-site at our Walnut Creek HQ.

The Director of Mortgage and Consumer Fulfillment is a key leadership role responsible for overseeing the strategic direction, operational execution, and regulatory compliance of the loan fulfillment functions. This position ensures efficient, high-quality service delivery across all aspects of Mortgage and Consumer Lending operations, while aligning with organizational goals and regulatory standards. The Director leads cross-functional teams, drives process improvement in fulfillment, mitigates risk, and ensures compliance with federal, state and company policies.

What you will be doing:

• Leadership and Strategy - provide direct management and strategic direction to fulfillment teams.

• Ensure Risk Mitigation in the fulfillment and underwriting of Loan Activities ensuring compliance with Loan Agreement, Promissory Note and Regulatory Compliance requirements.

• Implement necessary changes within the Loan fulfillment and underwriting departments to comply with any new or changed laws. Included in this process are: BSA/BO,TRID, RESPA, SCRA, FACTA, GLBA, FDCPA, USAP, CRA, etc.

• Perform periodic review of all processes including 3rd party vendor
  processing and audit of their process.

• Respond to internal and external audit requests and findings and work to remediate any identified noncompliant processes or areas of concern.

• Process & Manage Loan Purchase and Sold Activity. This includes working directly with the Treasury Dept., Accounting, Leverage Lending, Syndication and other lines of business.

• Evaluate business processes and make necessary changes to daily
  procedures and process controls as appropriate.

• Collaborate with other business departments to reach desired result on Service Level and Productivity KPI.

• Work on projects as assigned by Manager related to the Data Accuracy and accurate compliance requirements.

• Maintain knowledge for all regulatory requirements applicable to the job, this may include and is not limited to; Bankruptcy, SCRA, FCRA, BSA/BO, etc. and ensure compliance with all applicable procedures, State and Federal laws.

• Perform all other managerial or project duties as assigned by management.

Who you are:

• Minimum 10 years’ experience managing, coaching, and training a successful mortgage fulfillment team.

• Required 4 Year / Bachelors Degree Finance, Business, or related field

• Required 15 Mortgage and consumer lending; mortgage operations experience

• Required 5 Leadership

• Substantial knowledge of Mortgage and Consumer lending

• Demonstrated material understanding of all stages of residential mortgage originations.

• Ability to analyze complex financial information often found in mortgage applications.

• Knowledge of regulations governing mortgage lending

• Effective time management skills with good ability to work independently while still communicating clearly, effectively and regularly.

• Professional interpersonal skills.

• Ability to assist customers in effective selection of products best suited to their financial needs.

• Enthusiastic team player with ability to resolve conflicts effectively.

• Advanced Microsoft Office skills, particularly Microsoft Excel.

#LI-HW1

Salary: $197,000-216,000 annually

AIP/Bonus: up to 20%

Our comprehensive employee benefits program is designed for you to live your best life at work, home, and everywhere in between. Employees working 25 hours or more per week are eligible for health benefits effective the first day of the month following or coinciding with their date of hire.
Benefits package includes[1]:

• Medical, prescription, dental, and vision coverage for employees and their eligible family members

• Employer paid Employee Assistance Program, Life Insurance, AD&D, and Disability benefits

• Health Savings Account with employer contribution

• Healthcare and Dependent Care Flexible Spending Accounts and Commuter/Parking Benefit

• 401(k) and Roth 401(k) with company contribution

• 529 Education Savings plan, Tuition Reimbursement Program and Student Loan Assistance Program

• Supplemental Health plans, Voluntary Legal and Identity Theft Services

• 11 paid hol