Mortgage Lending Manager, Officer, Hybrid

Position: FCBank Mortgage Lending Manager, Officer, Hybrid

Job Description

The Mortgage Lending Officer supports Senior Retail Lenders and divisional leadership by providing guidance on mortgage products, pricing and complex loan structures, including construction lending. This role provides direction and support to the Mortgage Business Analyst, LOS Administrator, and Senior Mortgage Underwriter, ensuring alignment across lending, underwriting, and secondary market requirements. This role is also responsible for ongoing seller/servicer eligibility through coordination with investor and compliance partners.

Key Responsibilities

• Provide product, pricing, and loan-structure guidance
• Provide direction and functional oversight to Mortgage Business Analyst, LOS Administrator and Senior Mortgage Underwriter
• Compliance & Regulatory Adherence
• Serve as a liaison across lending, underwriting and compliance
• Monitor and support secondary market readiness
• Identify process, system, or policy improvement opportunities

Attitudes

• Respect:

Model respectful behavior and set clear expectations for others.

• Client Focus:

Deliver consistent, high‑quality service that builds trust and loyalty.

• Inclusion:

Encourage diverse viewpoints and contributions in decision‑making collaboration.

Behaviors

• Leadership: A collaborative leadership style that empowers others and inspire creative, out‑of‑the‑box thinking.
• Integrity:

Strong business ethics and honest behaviors.

• Collaboration:

Positively works with others to achieve shared goals and outcomes.

• Volunteerism: A recognized and visible presence in serving our communities.

Competencies

• Accountability:

Demonstrates accountability by owning underwriting decisions and ensuring accuracy, compliance, and quality outcomes.

• Innovation:

Applies creative thinking and forward‑looking solutions to drive continuous improvement and adapt to evolving challenges.

• Professionalism:

Reflects skill, good judgment, and positive conduct.

Supervisory Responsibilities

• Provide strategic oversight and leadership for all mortgage lending functions across Portfolio, Agency and Home Equity Lending.
• Drive consistency through clear policies, procedures, and escalating pathways.
• Establish lending standards that align with institutional risk appetite while supporting responsible loan growth.
• Act as final or designated credit authority for complex, high‑risk, or policy exception requests.

Education

• Mortgage Products & Structuring Expertise
• Demonstrates advance knowledge of mortgage products, pricing and complex loan structures to support sound, compliant lending decisions.
• Functional Leadership & Alignment
• Provides effective direction and support to key mortgage support functions to ensure consistent alignment across lending, underwriting, and secondary market requirements.
• Secondary Market Governance
• Maintains secondary market readiness by ensuring ongoing seller/servicer eligibility and coordinating effectively with investor and compliance partners.

Professional Development Opportunities

Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. Set stretch assignments and cross‑functional opportunities that foster growth and learning.

Requirements

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree (GED) is required, with 5+ years of experience, extensive knowledge of Investor guidelines and Regulatory requirements. A background screening will be conducted.

Qualifications, Education & Experience

Language Skills

:

Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one‑on‑one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.

Technology Skills

:

Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience and proficiency of LOS systems such as Empower, including reviewing complete…