Capital Markets & Fulfillment Manager

The Real Estate Capital Markets & Fulfillment Manager is primarily responsible for managing the mortgage loan lifecycle from rate lock through closing, funding, post-closing, and investor delivery. This includes lock desk operations and pricing governance, closing document preparation, funding authorization, post-closing review, and investor delivery, along with oversight of the Mortgage Loan Origination System (LOS). The position directly supervises the Lock Desk, Doc Drawer, Funder, and Post Closer staff and reports to the VP of Real Estate Lending.

The manager protects rate lock integrity and margin, ensures loan files meet Altura Credit Union policy, agency and investor guidelines, and federal and state regulatory requirements, and manages pipeline and workflow so loans close and fund on time. The role partners with Production, Real Estate Operations, Finance, and Compliance to improve processes, support audits and examinations, and report on funding volume, margin performance, lock pull-through, and cycle times.

All Altura team members are expected to live our five core values:

We treat people with compassion and dignity, both individually and collectively, to deliver the Altura difference.

We seek understanding through learning, openness, and continuous growth.

We build connection, belonging, and shared purpose.

We act boldly and responsibly, guided by our purpose and commitment to doing what is right, especially when decisions are difficult or uncertain.

We are rooted in our mission and purpose with strength, determination, and resolve.

• Oversee lock desk operations, rate lock integrity, pricing governance, and margin management.
• Monitor pipeline exposure, pull-through trends, and delivery timelines to ensure optimal execution and mitigate risk.
• Coordinate investor delivery and ensure loans meet agency and investor guidelines.

• Oversee direct document preparation, regulatory compliance validation, funding authorization and quality control checkpoints.
• Ensure loan files comply with Altura policy and procedures and applicable federal and state regulations prior to closing and delivery.
• Manage pipeline flow and workload distribution to meet closing and funding timelines, identify bottlenecks, and implement process improvements.

• Oversee Loan Origination System administration in partnership with the system administrator, including workflow configurations, user access, and system updates.
• Provide reporting and analytics on funding volume, margin performance, lock pull-through, and cycle times.
• Partner with Production, Real Estate Operations, Finance, and the VP of Real Estate on process improvements, audit responses, regulatory readiness, and strategic initiatives.
• Hire, onboard, train, and coach staff; conduct evaluations, address corrective action, and partner with VP of Real Estate to set performance expectations.
• Assign and prioritize work, approve schedules and time off, and maintain service levels aligned with production goals and member experience standards.
• Ensure adequate staffing, cross-training, and back-up coverage when needed.

Duties, responsibilities, and activities may change, or new ones may be assigned at any time—with or without notice.

Directly Supervises
:
Lock Desk, Doc Drawers, Funders, and Post Closers.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements below represent the knowledge, skill, and ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential…