Mortgage Manager

Join Our Team at MTC Federal Credit Union!

At MTC Federal Credit Union, we are dedicated to creating a better way forward for the communities we serve. We offer personalized financial solutions to foster lifelong relationships and are committed to our core values of accountability, respect, hard work, passion, and genuineness. We are currently seeking a dynamic Mortgage Loan Officer to join our team and help drive our mission forward.

We are seeking an experienced Mortgage Manager to lead and scale a high‑quality mortgage operation within a mission‑driven, member‑focused financial institution. This role is responsible for end‑to‑end mortgage and HELOC operations—ensuring loans move efficiently, compliantly, and consistently from application through closing, funding, and delivery.

The ideal candidate is both a hands‑on operator and a people leader who thrives in a growing environment and enjoys building structure, accountability, and strong teams.

• Own and manage the full mortgage and HELOC lifecycle, from application through funding and final disposition.
• Establish, monitor, and improve service standards including cycle times, conditions, clear to close, and funding timelines.
• Lead structured operating routines such as pipeline reviews, exception tracking, and closing/funding calendars.
• Deliver clear operational reporting on pipeline health, capacity, pull‑through, fallout, and quality trends.
• Serve as business owner for the Loan Origination System (BYTE Pro and Meridian Link), including workflow design, controls, and data standards.
• Underwrite HELOCs within delegated authority or prepare credit recommendations consistent with policy and regulation.
• Partner with Compliance, Finance, IT, and vendors to maintain strong controls, audit readiness, and secondary market delivery.
• Analyze QC findings and implement sustainable improvements that reduce defects and rework.
• Lead, coach, and develop processors, closers, funders, and support staff through clear expectations, feedback, and cross‑training.
• Drive continuous improvement initiatives that support operational scalability and an excellent member experience.

• 5+ years of mortgage operations experience (processing, closing, and/or funding); 4 years leading teams preferred.
• Strong working knowledge of FNMA guidelines, mortgage documentation, and compliance fundamentals.
• Prior people leadership experience with a focus on coaching and accountability.
• Demonstrated experience administering or configuring a Loan Origination System (LOS).
• Highly organized, detail oriented, and comfortable balancing quality with production demands.
• Continuous improvement mindset suited for a growing organization.
• NMLS License preferred.

• Mission‑driven culture focused on members, not transactions.
• Opportunity to shape processes and systems as the mortgage platform continues to grow.
• High impact leadership role with visibility across the organization.
• Collaborative environment that values doing things right, not just fast.

• Competitive paid time off & holidays.
• Vision, dental, and health insurance.
• Competitive 401(k) plan, matching & discretionary contribution.
• Disability insurance.
• Paid holidays.
• Career advancement opportunity.
• Competitive base pay and incentive plan.
• And more.

MTC Federal Credit Union is built on the principles of dedication and perseverance. We believe in bringing energy, enthusiasm, and genuine care to every aspect of our work, creating an environment where members and colleagues alike feel supported and inspired. Our core values guide our hiring and onboarding processes, team member recognition, and day‑to‑day decision‑making.

• Accountability:
  We believe that…