Mortgage Lending Manager

Job Details

• Location:
  
  1200 East 9 Mile Road, Pensacola, FL, 32514, United States
• Employee Type: FT Exempt
• Manage Others:
  Yes

The Mortgage Lending Manager oversees daily mortgage operations while maintaining compliance with regulation changes, including training, pipeline management, processing, underwriting, closing, and servicing. This role partners closely with the VP of Lending to improve efficiency, support organizational initiatives, and assist with product development to drive growth.

• Supervises and coordinates employees involved in all mortgage operations functions. To include hiring, training, and supervising in the Mortgage Department.
• Communicate and implement mortgage compliance and regulatory changes; ensure staff understanding and adherence.
• Collaborate with the VP of Lending on organizational strategy, policy development, and implementation.
• Work with branch management to ensure timely, efficient mortgage origination.
• Lead training for Originators to support smooth member experience and effective operations as it relates to mortgage products.
• Coordinate with other departments on mortgage-related initiatives, marketing efforts, and cross-departmental growth opportunities.
• Conduct regular staff meetings with branches and mortgage operations teams.
• Partner with mortgage operations to minimize credit risk; maintain strong knowledge of underwriting, credit analysis, and income analysis for in-house and secondary market requirements.
• Maintain thorough knowledge of credit union policies, procedures, and services; collaborate with departments on regulatory and procedural updates.
• Manage workflow and loan distribution among mortgage operations staff.
• Ensure timely pipeline management and efficient file flow between mortgage operations and loan officers; identify and implement process improvements.
• Address and document member complaints in accordance with Loyalty Credit Union policy.
• Support closing disclosure reviews and audits with mortgage operations.
• Primary vendor contact for communication and work through any vendor management and changes to private mortgage insurance companies, title companies, and appraisal companies.
• Serve as primary vendor contact for mortgage-related partners, including PMI providers, title companies, and appraisal companies.
• Function as primary or backup administrator for origination software, servicing software, and related mortgage systems.
• Prepare for, respond to, and train staff on findings from internal audits, external audits, and examinations.
• Review and assist with implementation of projects related to the Mortgage Loan Department.
• Maintain an active NMLS number per SAFE Act requirements.
• Prepare annual reports/reviews.
• Represent the Credit Union in community, business, and industry organizations to support public relations and develop professional relationships with mortgage-related vendors.

• Attain and maintain acceptable level of knowledge of laws, rules and regulations including all updates and changes.
• Complete and accurately submit all necessary forms required by the laws, rules, and regulations.
• Complete all steps required in laws, rules, and regulations.

• Knowledge and
  
  Skills:
  • Strong understanding of mortgage operations, including origination, underwriting, processing, and closing.
  • Knowledge of mortgage policies, secondary market guidelines, and regulatory compliance requirements.
• Education and/or experience:
  • Associate’s degree, completion of a specialized certificate or licensing, completion of specialized training courses conducted by vendors or job‑specific skills acquired through an apprenticeship program.
  • Five (5) or more years of real estate lending and management experience preferred.