"VP, Mortgage Operations"

The Vice President (VP) of Mortgage Operations provides strategic direction and operational oversight for the Credit Union’s Real Estate Lending division. This leader is responsible for driving growth, ensuring regulatory compliance, optimizing performance across origination, processing, underwriting, closing, and servicing, and delivering an exceptional member experience.

Strategic Leadership

• Establish and execute the strategic direction for mortgage operations in alignment with the Credit Union’s vision and growth objectives.
• Lead the development and implementation of new products, services, and technologies to meet evolving member needs and market opportunities.
• Monitor real estate loan portfolio performance, ensuring credit quality and risk mitigation.
• Identify and evaluate opportunities for partnerships, market expansion, and operational improvements.
• Represent the mortgage division in enterprise-wide planning and executive-level decision making.

Team & Culture Leadership

• Lead, mentor, and develop a high-performing operations team across origination, processing, underwriting, and servicing functions.
• Foster a culture of innovation, accountability, and inclusivity.
• Provide clear direction, coaching, and performance management to ensure team effectiveness and engagement.

Operations Management

• Oversee day-to-day operations of mortgage lending, ensuring efficiency, productivity, and high-quality member service.
• Ensure all mortgage files are digitized, retained, and protected in accordance with security standards and retention policies.
• Implement and monitor operational policies, workflows, and SLAs to support process consistency and compliance.
• Lead cross-departmental collaboration to ensure seamless end-to-end mortgage operations.

Compliance & Risk Oversight

• Ensure compliance with all federal, state, and investor regulations, including HMDA, RESPA, TILA, and CFPB requirements.
• Partner with auditors and regulators during examinations and ensure timely remediation of findings.
• Maintain and update training programs to ensure staff are proficient in relevant regulatory requirements.

Vendor & Relationship Management

• Manage relationships with key third-party partners including title companies, appraisers, legal counsel, investors, and software vendors.
• Ensure ongoing vendor due diligence, including financial reviews, compliance documentation, and performance monitoring.

Functional Responsibilities

Origination & Underwriting

• Oversee the entire loan pipeline, including pre-approvals, denials, counteroffers, and in-process applications.
• Review and approve loan decisions in alignment with underwriting guidelines and risk appetite.

Closing & Servicing

• Manage lien releases, subordinations, modifications, and timely escrow analysis.
• Ensure the accuracy of member mortgage statements and reporting, including HMDA and annual tax/interest reporting.

Working Conditions: Work is performed in an office setting.

Qualifications

Basic Qualifications

• Bachelor’s degree or equivalent work experience required
• Minimum of 8 years’ relevant work experience
• Supervisory experience

Additional Qualifications and Skills

• Minimum of 8 years of mortgage operations experience, with at least 3 years in a senior leadership or VP-level role.
• Proven experience managing underwriting, secondary market activities, and vendor relationships.
• Strong understanding of mortgage regulatory environment.
• Experience working in a credit union or community bank setting.
• Demonstrated success leading change management and digital transformation initiatives.
• Strong proficiency in Microsoft Office; experience with LOS, servicing platforms, and secondary market execution tools.
• Excellent written and verbal communication skills.