Charles Schwab Sr Manager, Lending Strategy and Product Integration in Phoenix, Arizona


Phoenix - AZ, PHX4750A, 4750 E Francisco, 85044-5359

Marianna Christine Caporuscio


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 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.

Our Opportunity:

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

Job Specifications

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, NV - Henderson

Education: BA/BS

Job Type: Full Time


Activation Date: Tuesday, July 10, 2018

Expiration Date: Saturday, October 27, 2018

Apply Here