Job OverviewThe President, Retail Mortgage Banking oversee all facets of the Retail Mortgage Lending functions, providing specialized expertise over the full spectrum of the mortgage lending process including selling, origination, processing, underwriting, closing, and funding. Ensure quality control for all originated and secondary market mortgage loan files and that all secondary market mortgage loans are investment quality. Manage departmental regulatory compliance, rate setting, reporting, leveraging of CRM tools to track leads, management of data and sales activity and provide leadership to the mortgage loan operations staff. Ensure all operations are compliant with state and federal regulations as well as company policies and established Standard Operating Procedures (SOPs). Ability to meet expected standards for FTE productivity, net income and loan quality.

　　Principal AccountabilitiesAccountable for setting budget, adapting to industry changes such as compliance, new products, and competitive pressures and ultimately achieve/exceed budgeted profitability. Also accountable for credit quality and departmental adherence to established guidelines and loan policy. Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications.Accountable for adherence to compliance standards including Bank Secrecy Act (BSA), quality of documentation, timeliness and adherence to secondary market standards.Actively protect confidentiality of customer and account information. Demonstrate Horizon Banks commitment to the communities we serve through involvement in local organizations and events.