AVP Mortgage Operations

• Job Category Mortgage, Banking
• Employee Type Exempt - FT

This individual is responsible for the daily administration of Mortgage Operations including sales support, origination, processing, underwriting, and closing activities while developing a high-performing team and fostering strong referral relationships . Specifically, this individual is responsible for the following significant duties:

· Oversee the end-to-end mortgage operations process, including sales support, processing, underwriting, closing and funding functions, ensuring timely execution, quality standards, regulatory compliance, and achievement of departmental service-level objectives.

· Collaborate with sales leadership to develop and implement initiatives that increase loan originations, referral activity, market penetration, and member engagement.

· Coordinate work activities and team staffing levels with the Vice President of Mortgage & Business Lending.

· Evaluate processes, performance, talent and advise on present and future needs;

· Drive operational efficiency across underwriting and sales functions by identifying workflow improvements, optimizing technology utilization, and enhancing the overall member experience.

· Supervise employees within Mortgage Operations. Including interviewing, hiring, training, coaching, evaluating and termination. Allocate workloads, personnel, and equipment resources within the department to achieve Credit Union goals and objectives;

· Serve as a co-system administrator with the VP of Mortgage & Business Lending for the Encompass origination software platform including implementation of new features, resolving vendor issues, training and maximizing efficient use;

· Maintain knowledge and train employees on new and updated FNMA, FHFA, CFPB, and MPF/FHLB guidelines;

· Compile data, create reports, ensure that adequate and accurate reports are available to measure performance and maintain accountability for all mortgage operations functions;

· Establish performance goals, monitor key performance indicators (KPIs), and implement action plans to drive results.

· Maintain positive relationships and communicate with internal departments as well as third party vendors required for processing and closing mortgage loans including: title companies, realtors, appraisal and survey companies;

· Monitor loan quality and identify opportunities for process improvements.

· Manage daily workflow by ensuring timely pipeline processing and identifying, addressing, and resolving problems as they arise;

· Maintain a thorough working knowledge of Mortgage Operations rules, regulations, policies, and procedures, and ensure compliance with and adherence to all applicable state and federal regulations.

· Recommend changes in processes and procedures and communicate updates and changes in policies, guidelines and procedures to the team members;

· Be “all-in” on making members who experience mortgage lending raving fans;

· Presents a helpful and positive attitude, focusing on solutions and always promoting a collaborative environment;

· Practices and brings to life with the team our “Yes And… culture;

· Comply with established regulations and law requirements;

· Perform various other duties as assigned.

Requirements

· Five (5) years supervisory experience in a mortgage or financial institution with a thorough knowledge of laws, regulations, policies, and procedures governing Credit Unions and pertaining to residential Real Estate.

· Two (2) years college with emphasis in Business Administration or Finance (Bachelor’s degree preferred);

· Requires thorough knowledge in current Windows OS and MS Office software, Mortgage Loan Origination software and automated underwriting systems;

· Must have the technical ability to train personnel;

· An organized individual who shows excellent communication, presentation, teamwork, negotiation and conflict resolution skills;

· Must be capable of performing in a fast-paced office environment.

Texas Trust Credit Union is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.