Principal Relationship Manager

SUMMARY
As the Principal Relationship Manager for residential mortgage loans, you will play a pivotal role in driving business growth, fostering community relationships, and delivering exceptional service to our clients. If you are a motivated and results‑driven professional with a passion for mortgage lending and community engagement, we invite you to join our team and make a positive impact in the lives of homeowners and aspiring homebuyers.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Residential Mortgage Loan Origination

Source and originate residential mortgage loans from various channels including referrals, leads, and existing client relationships.

Conduct thorough assessments of clients’ financial situations and provide appropriate mortgage solutions tailored to their needs.

Guide clients through the mortgage application process, ensuring compliance with all relevant regulations and company policies. Principal Relationship Managers will have goal requirements to align with the Credit Union’s strategic growth plan.

Relationship Building

Develop and nurture relationships with real estate agents, builders, developers, and other stakeholders in the community.

Actively engage with community organizations, events, and networking groups to establish the company’s presence and expand referral networks.

Collaborate with internal teams such as underwriters, processors, and closers to ensure smooth and efficient loan processing and closing.

Engage on Social Media to build the brand.

Business Development

Identify and pursue opportunities for business development and market expansion in the residential mortgage lending space.

Stay updated on market trends, competitor activities, and regulatory changes to anticipate challenges and capitalize on opportunities.

Implement strategies to enhance the company’s visibility and reputation as a trusted provider of residential mortgage loans in the community.

Customer Service and Retention

Provide exceptional customer service throughout the loan lifecycle, addressing client inquiries, concerns, and issues promptly and effectively.

Proactively follow up with clients to ensure satisfaction and identify opportunities for cross‑selling or upselling additional products and services.

Cultivate long‑term relationships with clients to encourage repeat business and referrals.

Compliance and Risk Management

Adhere to all regulatory requirements, internal policies, and industry best practices related to residential mortgage lending.

Conduct thorough due diligence on loan applications, documentation, and financial information to mitigate risk and prevent fraud.

Maintain accurate records and documentation for all loan transactions in compliance with regulatory standards.

REQUIREMENTS
Education

Associate’s degree in finance, Business Administration, or related field.

Bachelor’s, MBA or relevant professional certifications (e.g., CMB, CRMP) preferred.

Experience

Minimum of 5 years of experience in residential mortgage lending with a proven track record of loan origination and business development.

Strong knowledge of mortgage products, underwriting guidelines, and regulatory requirements (e.g., TRID, RESPA, HMDA).

Excellent communication, interpersonal, and networking skills with the ability to build rapport and trust with diverse stakeholders.

Demonstrated ability to work effectively in a fast‑paced, deadline‑driven environment while maintaining attention to detail and accuracy.

Proficiency in mortgage loan origination software, CRM systems, and Microsoft Office suite.

OTHER CHARACTERISTICS OF THE POSITION
Physical Demands

Sitting for long periods at a time.

Regularly required to talk or listen.

Occasional lifting of office supplies up to 20 lbs.

Vision abilities including close vision and ability to adjust focus.

Mental Demands

Must understand and follow a set of clear oral and/or written procedures without deviation.

Performs repetitive routine tasks.

Withstand moderate amounts of stress.

Must adhere to a provided work schedule to meet a set of qualitative production standards.

Perform tasks that vary little from day to day.

Implements others’ decisions/procedures with little judgment required.

Must relay information orally.

WORKING WITH US

401k with profit sharing contribution

Comprehensive medical, dental and vision coverage from leading insurance providers

Continuing education and up to $5,000 in tuition assistance annually

Generous vacation and sick pay

Paid parental leave and volunteer time off

Major holidays off including Federal holidays that many other industries don’t observe

Credit union benefits including reduced consumer/mortgage loan rates, free checks, and other financial services discounts

At Addition Financial, we accept you for who you are. We are an equal opportunity employer and do not discriminate based on race, color, creed, religion, national origin, sex, marital status, age, protected veteran status, or disability/handicap with regards to recruitment, selection, placement, promotion, wages, benefits, and any other areas of employment. Personal perspectives and beliefs are what helps our team members, and our company, grow as a whole and we seek to nurture that inclusiveness. We welcome our team member’s diverse viewpoints and work together so that everyone’s voices are heard. So, if you’re ready to take your career to the next level, Count Us In®.

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