VP Of Mortgage Operations

TTCU Federal Credit Union is seeking a dynamic and experienced Vice President of Mortgage Operations to lead and oversee all aspects of our mortgage processing, underwriting, closing, and post-closing functions. The ideal candidate will be a strategic leader with deep industry knowledge and a proven track record of optimizing workflows, driving performance, and ensuring compliance in a fast-paced lending environment.

Supervises: Director of Mortgage Operations, Mortgage Underwriting Managers, Mortgage Sales Manager, and Quality Control Specialists.

Essential Job Functions and Responsibilities:

• Develop and administer TTCU mortgage lending products, procedures, and processes. Assure offerings are market competitive while minimizing risk to the organization.
• Manage direct reports to maximize productivity, efficiency, and the potential of the human assets of TTCU, including hiring, directing job assignments, monitoring staff performance, coaching, counseling, training, assuring compliance with regulatory requirements and organizational mission, values, policies, and work rules.
• Create, produce, track, and maintain data specific reports for use by department management including but not limited to turn times, closings, and loan assignments.
• Track and maintain assigned reports on realtor/broker/builder network activity monthly and maintain updated knowledge of market trends and movements and regularly convey information to SVP/Chief Lending Officer. Prepare, present, and adhere to annual budget for department.
• Establish and maintain strong business relationships with realtors/brokers, builders, title and closing companies and other industry participants.
• Evaluate loan collateral, applicant's debt to income ratio, income stability, credit history and the general financial status of the applicant to determine qualifications and decide whether to grant or deny loan applications based on existing loan policy and/or guidelines.
• Monitor secondary sales to ensure all commitments are reached and mitigate fall out through proper pipeline management.
• Coordinate with the Marketing Department and direct the marketing efforts of the Mortgage department to effectively promote realtor/broker/builder relations and various promotions and competitions.
• Track and maintain assigned reports on realtor/broker/builder network activity monthly and maintain updated knowledge of market trends and movements and regularly convey information to supervisor.

Minimum Qualifications:

• Bachelor's degree in business, finance, economics, or another related discipline required.
• Management experience, within a Financial Institution setting: 6-8 years
• Business development and sales experience: 5 years
• Lending experience in a decision-making position: 5 years
• Experience with mortgage origination, loan processing, underwriting, and closing; including procedures and processes for FHA, VA, GNMA, USDA, and Rural Housing: 5 years
• Ability to qualify and maintain NMLS license.

Why TTCU Federal Credit Union?

We offer a competitive salary, comprehensive benefits, and a supportive work environment where your contributions make a meaningful impact. Join us in helping our members achieve financial success!