Charles Schwab Sr Manager, Lending Strategy and Product Integration in Phoenix, Arizona
Phoenix - AZ, PHX4750A, 4750 E Francisco, 85044-5359
We believe that, when done right, investing liberates people to create their own destiny. We are driven by our purpose to champion every client’s goals with passion and integrity. We respect and appreciate the diversity of our employees, our clients, and the communities we serve. We challenge conventions strategically to create value for our clients, our firm and the world. We live and bring to life the concept of ‘own your tomorrow’ every day. We champion our employee strengths, guide their development, and invest in their long-term success. We hire optimistic, results-oriented, curious, innovative, and adaptable people with the desire to help our clients and one another succeed.
As a company, we were established by Chuck at http://www.aboutschwab.com/about/leadership/charles_schwab over 40 years ago to champion Main Street over Wall Street, and to help Americans transform themselves from earners to owners. Through advocacy and innovation, we work to make investing more affordable, accessible and understandable for all. As we enter our fifth decade, we are looking for talented, innovative and driven people who believe they can help themselves, and our clients, create a better future.
Banking & Trust Services (BTS) is the business enterprise within Schwab overseeing Charles Schwab Bank and the Charles Schwab trust companies. The BTS organization offers deposit, loan and trust products to Schwab clients who are looking for holistic wealth management solutions that complement their brokerage activities. The integrated banking and brokerage services represent the strong value proposition we offer our clients.
Charles Schwab Bank is a full-service bank that offers a range of competitive deposit and lending products. In 2003, we launched Schwab Bank as a bank for investors, and it has grown to be the 12th largest bank in the United States. Our goal is to offer a banking experience that complements the Schwab brokerage capabilities, providing banking products tailored to meet our clients’ unique needs as investors, all in one convenient location. Consistent with the brand, we offer exceptional client experience.
Charles Schwab Bank's strategy is to provide a suite of home lending products that meet the needs of Schwab clients. The goal is to deliver a competitive product with a consistent, high quality client experience.
The Bank’s Home Lending Product Management team is responsible for:
Managing and developing profitable mortgage and home equity products that foster increased loyalty from our clients
Driving profit improvement and revenue growth through sales channels, marketing programs, and cost controls;
Fostering an excellent end-to-end lending client experience
Tracking and measuring product performance and program effectiveness
What you’ll do:
The loan products are integral to the Bank’s success. As such, this role will be primarily responsible for leading Product Management efforts and initiatives across internal and external channels. The Loan Product Manager will be responsible for:
Working with 3rd party vendors in the loan origination process
Actively participating on project teams to represent the Bank Lending Product team
Helping to drive the strategic vision for Schwab's Lending Products group by proactively identifying opportunities to improve product penetration and the lending experience
Leading programs with cross-functional partners such as Credit Risk, Underwriting, External Vendors, Sales Administration, Marketing, Legal/Compliance, and Client Web Services
Providing analytical support of the Mortgage and Home Equity Line of Credit (HELOC) products for various Bank teams and partners
Assisting in the development of a multi-year roadmap for the Mortgage and HELOC products
Collaborating with Credit Risk and Underwriting departments on product development and updates including product launches, revamping, maintenance efforts
Maintaining and updating products’ pricing
What you have:
3 to 5 years relevant experience as product manager for mortgage and HELOC products
Bachelor’s Degree required; Advanced Degree preferred
Strong analytical skills. Ability to quickly analyze data to identify key insights and apply them to the business.
Experience developing and managing mortgage portfolio products
Strong knowledge of GSE lending products and process
Full knowledge of federal lending regulations
Understanding of general mortgage credit policy and underwriting process
Product pricing experience
Highly client-oriented with demonstrated product management, program leadership and implementation experience
Experience developing and implementing home lending marketing and promotional campaigns
Strong written and verbal communication skills, including ability to synthesize data, develop recommendations, influence partners and report on status
Ability to lead cross-functional teams and work efficiently in a matrix-oriented environment
Advanced level knowledge of the Microsoft suite of applications with emphasis on Excel and PowerPoint
Credit, underwriting and risk management experience a plus
Critical Success Factors:
Enjoy strategy work with experience in program management A bias for action and the ability to overcome obstacles and successfully execute on multiple projects simultaneously in a self-directed environment Strong leadership skills - the ability to influence at all levels of the organization and gain support of cross-functional partners to execute on product plans and marketing initiatives Outstanding "soft" skills - including ability to work well with a diverse range of partners and proactive, can-do attitude
Relocation Offered?: No
Work Schedule: Days
Languages: English - spoken
Current Licenses / Certifications: None
Relevant Work Experience: Project Management-2-5 yrs, Product Development-2-5 yrs, Banking-6+ yrs
Position Located In: AZ - Phoenix, CA - San Francisco
Job Type: Full Time
Activation Date: Tuesday, July 10, 2018
Expiration Date: Saturday, September 1, 2018