Head of Mortgage Lending

Job Summary

The Head of Mortgage is responsible for the overall strategy, performance, and growth of UFCU’s mortgage business. This role provides leadership across origination and operations, while partnering closely with the Secondary Market team to align execution with financial performance and market strategy. Reporting to the Chief Lending Officer, this leader works closely with executive leadership to drive sustainable growth, expand UFCU’s mortgage presence across the state of Texas, and position UFCU as a lender of choice.

The role balances strategic vision with operational execution, building a scalable, high‑performing mortgage organization aligned with UFCU’s purpose, values, and commitment to member experience.

• Partner with the Chief Lending Officer to define and execute UFCU’s mortgage strategy, including growth, market expansion across Texas, member experience, and operational excellence.
• Serve as the mortgage subject matter expert in enterprise‑wide strategic initiatives, providing data‑driven insights aligned with organizational goals.
• Establish business goals, success metrics, and performance indicators for Mortgage Lending and communicate them across the organization.
• Identify, evaluate, and implement new products, enhancements, and technology solutions to strengthen UFCU’s mortgage offering.
• Monitor industry trends, regulatory changes, and market conditions, translating insights into actionable strategies.
• Strategically position UFCU as a mortgage lender of choice through product differentiation.

• Own and drive overall mortgage production performance, ensuring alignment between enterprise growth objectives, market opportunities, and operational capacity.
• Partner closely with the Sr. Manager of Mortgage Production to translate production goals into executable strategies, performance metrics, and accountability across mortgage channels.
• Establish and monitor key production indicators including volume, conversion rates, pipeline health, pull‑through, and loan officer productivity.
• Collaborate with Marketing, Technology, Retail, and Secondary Market teams to align lead generation strategies, pricing, capacity planning, and product mix.
• Balance production growth with operational excellence, regulatory compliance, risk management, and consistent, high‑quality member experience.
• Leverage data, market intelligence, and competitive insights to inform production strategy and respond to changing market conditions.
• Identify opportunities to improve speed‑to‑close, scalability, and efficiency through process improvement, technology optimization, and workforce planning.

• Partner closely with the Secondary Market team to align production strategy with pricing, investor requirements, and market conditions.
• Collaborate on pipeline management, loan sales strategy, and overall mortgage financial performance.
• Ensure alignment between origination, operations, and secondary market execution to optimize business outcomes and member experience.
• Maintain a strong understanding of secondary market dynamics, including pricing and investor expectations.

• Provide leadership oversight for the Mortgage Lending team, including hiring, onboarding, coaching, engagement, performance management, and talent development.
• Build and sustain a high‑performing, collaborative leadership team aligned with UFCU’s guiding principles and leadership standards.
• Establish clear performance expectations and ensure accountability through ongoing feedback, coaching, and formal evaluations.
• Develop and maintain succession plans for critical mortgage leadership and operational roles.
• Strengthen cross‑functional relationships to improve collaboration, influence outcomes, and elevate the member experience.

• Participate in the establishment of the annual budget with identification of planned expenses, staffing, projects, and other resources needed for new or enhanced programs and services.
• Ensure effective control of results. Take action to guarantee achievement of objectives that…