Residential Lending Operations Manager

Job Type

Full-time

Description

The Residential Lending Operations Manager is responsible for the end-to-end operational oversight of the residential mortgage lending function. This role ensures efficient, compliant, and high-quality loan fulfillment from application through closing, while driving operational excellence, risk management, and continuous improvement. The position serves as the senior operational leader for residential lending operations through direct oversight of department managers responsible for underwriting, processing, closing, construction disbursements, and compliance-related operational support, ensuring alignment with growth objectives, service standards, and regulatory expectations.

• Provide strategic and day-to-day leadership for residential lending operations through direct oversight of managers responsible for underwriting, processing, closing, construction disbursements, and compliance-related operational support.
• Ensure department managers maintain timely, accurate, and compliant loan decisions, processing workflows, and closings in alignment with internal policies, investor requirements, and regulatory standards.
• Establish, monitor, and improve operational workflows, turn times, productivity metrics, and service-level standards.
• Ensure adherence to all applicable laws and regulations as well as investor and secondary market guidelines.
• Provide oversight to ensure adherence to all applicable laws and regulations, as well as investor and secondary market guidelines, across residential lending operations.
• Provide oversight for operational audit readiness, exam support, issue remediation, corrective action planning, and internal control effectiveness in partnership with the department head, compliance resources, and the VP responsible for loan production and compliance.
• Lead, coach, and develop direct reports and their teams, fostering accountability, collaboration, and a culture of continuous improvement.
• Set clear performance expectations, conduct evaluations, and support succession planning and talent development.
• Establish and maintain effective meeting expectations, including regular one-on-one meetings with direct reports, to support communication, accountability, performance management, and ongoing development.
• Promote consistent training and knowledge-sharing across underwriting, processing, closing, construction disbursement, and compliance support functions.
• Develop, document, and maintain clear operating procedures, workflow standards, and job aids to support consistency, training, audit readiness, and effective execution across residential lending operations.
• Identify opportunities to streamline processes, reduce turn times, and enhance borrower and partner experience.
• Collaborate with Encompass administrator to optimize LOS functionality, automation, and reporting.
• Support implementation of new products, systems, and operational enhancements.
• Partner closely with Sales, Secondary Marketing, and Servicing to ensure alignment and smooth handoffs across the loan lifecycle.
• Serve as a key operational escalation point for complex or high-impact loan issues.
• Complete all internal Bank training as assigned and required.
• Adhere to the Bank’s privacy and data security policies including but not limited to safeguarding of sensitive information and complying with relevant regulations to protect non-public information.
• Exhibit the ability and desire to embrace and enhance the Bank culture.

• VP Residential & Consumer Loan Production Manager
• VP Loan Production and Compliance

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor’s degree or equivalent combination of education and experience, with at least 10 years of residential mortgage operations experience across underwriting, processing, closing, and related operational functions, including significant leadership responsibility.
• 8+ years of progressive leadership experience in residential mortgage operations, including responsibility for leading managers, building high-performing teams, and driving operational performance in a regulated environment.
• Demonstrated experience leading managers across multiple residential mortgage fulfillment functions, including underwriting, processing, closing, construction disbursements, and compliance-related operations; construction lending experience strongly preferred.
• Demonstrated ability to develop, write, implement, and maintain procedures and operational documentation in a regulated residential lending environment.

• Strong knowledge of residential mortgage regulations, investor guidelines, and risk management…