VP of Mortgage Lending

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Full Time Pensacola, FL, US

5 days ago Requisition

Salary Range: $ To $ Annually

We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.

We set ambitious goals, provide personal development opportunities, and encourage results.

We challenge the status quo to enhance the member’s experience and solve tomorrow’s challenges today.

Working at Gulf Winds is not just a job, it’s a career. We’re hiring collaborative, motivated people who want to love what they do. We are forward-thinking and team oriented. We recognize and reward excellent member service and have fun while working hard. When you join the team, you can expect:

• Open and transparent communication with your leaders
• Consistent coaching and opportunities to improve performance.
• Collaborative and team-focused environments
• Short and long-term professional development
• Opportunity to participate in cross-functional projects.

With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast.

The Vice President of Mortgage Lending leads the overall performance of the credit union’s mortgage function, encompassing loan origination, underwriting, processing, closing, and servicing. The VP owns the department P&L, secondary market strategy, pricing governance, product development, and talent leadership. Working in partnership with the Chief Lending Officer, this role sets and executes short- and long-term plans that grow the mortgage portfolio, optimize financial results, and deliver an exceptional member experience in alignment with the credit union’s mission.

25% Oversees all aspects of the mortgage lending process - loan origination, underwriting, processing, closing, and servicing. Coaches and evaluates team members to build a high-performing department aligned with the credit union’s values and strategic goals.

20% Ensures underwriting quality, documentation, and adherence to secondary market guidelines. Maintains investor compliance (FNMA, FHLMC, FHA, VA, PMI) and oversees loss mitigation and problem loan resolution. Owns rate lock policy, pipeline management, fallout risk, pricing margin analysis, pricing exception authority, and MSR strategy (retain vs. release). Manages investor and correspondent/broker channel relationships.

15% Recruits, coaches, and manages the mortgage team. Oversees MLO sales territories, NMLS licensing compliance, and continuing education. Maintains a succession plan for key roles and builds an ongoing talent pipeline.

10% Accountable for the mortgage department P&L. Develops and manages the annual budget, monitors cost-per-loan and revenue-per-MLO metrics, drives fee income strategy, and delivers regular financial performance reporting to senior leadership.

10% Leads the mortgage product lifecycle from concept to launch - including market analysis, product committee leadership, go-to-market strategy, and pricing models for new offerings (HE Loans, construction-to-perm, VA loans, and all portfolio products).

5% Ensures compliance with Fair Lending, CRA, RESPA, TRID, and all applicable regulations. Proactively aligns product offerings with underserved community needs as part of the credit union’s CRA strategy.

5% Builds and maintains relationships with members, real estate professionals, and referral sources to generate loan…