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Senior Manager, Home Lending Product Management

Location Phoenix, Arizona, United States; Westlake,Texas,United States;Lone Tree,Colorado,United States;San Francisco,California,United States; Requisition ID 2021-76220 Category Project Management Position Type Regular CO Salary Range 92,200 - 145,800
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Your 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:

  • Handling and developing profitable mortgage and home equity products that further increased dedication from our clients;
  • Driving profit improvement and revenue growth through sales channels, marketing programs, and cost controls;
  • Encouraging an excellent end-to-end lending client experience; and,
  • Recording and measuring product performance and program effectiveness.

Workplace Flexibility Program: We're proud to support our employees in a working approach that allows you to bring your best self to work – whether that’s in the office or remote.

  • Most Schwabbies have the opportunity to voluntarily work in the office or at home based on their preference, through the remainder of 2021.*
  • When the firm is ready to fully return to the office, employees will have the flexibility of a hybrid work environment, spending some time working remote and some time in the office.
  • Employees and managers can discuss and decide what works best for them, with additional flexibility available based on their role, business needs, and individual circumstances.

*Subject to change as Schwab is continually evaluating the current environment in order to best care for the safety and well-being of our employees.

What you are good at

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 Senior Manager will be responsible for:

  • Working with 3rd party vendors in the loan origination and loan servicing 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 finding opportunities to improve home lending product penetration and the overall lending experience.
  • Leading programs with cross-functional partners such as Credit Risk, Underwriting, External Vendors, Sales Administration, Marketing, Legal/Compliance, Finance 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, Underwriting departments, and External Vendors on product development and updates including product launches, revamping, and maintenance efforts.
  • Maintaining and updating home lending product program and pricing information across various business channels.
  • Supporting internal and external audit or regulatory reviews
  • Helping to develop a proactive agenda with business partners across the firm for product-related initiatives and driving the implementation of these initiatives.
  • Working with the Director of the team to prepare leadership updates, executive presentations, and strategy readouts
  • Participating in the ongoing flow of information and anticipating potential needs or competitive trends in the marketplace as it concerns product availability
  • Driving critical cross-organizational issues / needs, summarizing key points and risks, and making recommendations to enable efficient decision making
  • Performing data analysis and data mining to assist in a variety of requests in support of the Home Lending Product team.

What you have

  • Strong analytical and problem-solving skills. Ability to quickly analyze data to identify key insights and apply them to the business, including ability to make recommendations and build plans to complete them.
  • Strong written and verbal communication skills, including the ability to synthesize data, develop recommendations, influence partners and report on status.
  • Experience developing and handling mortgage portfolio products.
  • Solid understanding of GSE lending products and process.
  • Full knowledge of federal lending regulations.
  • Understanding of general mortgage credit policy and underwriting process.
  • Product pricing experience.
  • Comfortable working with ambiguity and adapting to change and ability to lead cross-functional teams.
  • Can work in both a strategic and executional capacity with ability to prioritize effectively and handle partners in a fast-paced and matrixed environment
  • Highly client-focused with demonstrated product management, program leadership and implementation experience.
  • Experience developing and implementing home lending marketing and promotional campaigns
  • Advanced level knowledge of the Microsoft suite of applications with emphasis on Excel and PowerPoint.

Additional Qualifications:

  • Bachelor’s degree with 3 to 5 years relevant experience as product manager for mortgage and HELOC products
  • Financial Services industry experience
  • 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 complete 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 complete product plans and marketing initiatives. Outstanding "soft" skills - including ability to work well with a diverse range of partners and possess a proactive, can-do demeanor..

Colorado Compensation
Target Total Compensation - 92,200 - 145,800.
Your actual pay will be based on your skills and experience -- talk with your recruiter to learn more.

Why work for us?

Own Your Tomorrow embodies everything we do! We are committed to helping our employees ignite their potential and achieve their dreams. Our employees get to play a central role in reinventing a multi-trillion-dollar industry, creating a better, more modern way to build and manage wealth.

Benefits: A competitive and flexible package designed to empower you for today and tomorrow. We offer a competitive and flexible package designed to help you make the most of your life at work and at home—today and in the future. Explore further.

Schwab is committed to building a diverse and inclusive workplace where everyone feels valued. As an Equal Opportunity Employer, our policy is to provide equal employment opportunities to all employees and applicants without regard to any status that is protected by law. Please click here to see the policy.

Schwab is an affirmative action employer, focused on advancing women, racial and ethnic minorities, veterans, and individuals with disabilities in the workplace. If you have a disability and require reasonable accommodations in the application process, contact Human Resources at or call 800-275-1281.

TD Ameritrade, a subsidiary of Charles Schwab, is an Equal Opportunity Employer. At TD Ameritrade we believe People Matter. We value diversity and believe that it goes beyond all protected classes, thoughts, ideas, and perspectives.

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