Vice President – Residential Mortgage Lending

Role Overview

• Provide strategic leadership and operational oversight for the Credit Union’s residential mortgage and home equity origination functions.
• Drive sustainable loan growth and streamline the lending workflow while maintaining regulatory compliance and risk management standards.
• Lead the mortgage lending team and oversee all functional areas (origination, underwriting, processing, and servicing) to optimize operational efficiency, profitability, and loan turnaround times.
• Foster a culture of accountability through continuous coaching and performance management to deliver exceptional member service.
• Ensure compliance with mortgage regulatory standards and oversee risk management processes.
• Identify and implement continuous process improvements and technology enhancements for departmental efficiency.
• Manage and execute the strategic sale of residential mortgage loans on the secondary market.

Requirements

• A minimum of eight (8) years of progressive experience in mortgage lending, with at least 3–5 years in a dedicated supervisory or leadership role within a bank or credit union environment.
• Requires expert-level knowledge of both residential mortgage and home equity (HELOC/Second Mortgage) underwriting guidelines, with a proven track record of exercising delegated loan approval authority.
• Advanced knowledge of secondary market operations, including investor guidelines (Fannie Mae/Freddie Mac), loan pricing strategies, rate locks, commitment tracking, and liquidity optimization.
• Active NMLS (Nationwide Mortgage Licensing System) registration is required, or the ability to become immediately registered upon hire.
• Direct experience with FICS and Fiserv is highly preferred but not required, along with the ability to leverage these platforms to maximize departmental efficiency.
• Exceptional interpersonal, leadership, and communication skills required for conducting productive team pipeline meetings, coaching staff, and effectively presenting strategic lending data to senior leadership and executive management.
• Professional, well-developed interpersonal and communication skills are essential for projecting a positive image of LBCU with management, employees, members, sponsors, vendors, visitors, etc.
• The position requires the ability to read, analyze, and interpret financial reports, procedures, legal documents and external regulations; ability to respond professionally to varied inquiries or complaints from members; ability to influence subordinates; and ability to effectively communicate and present information to a wide range of audiences including senior management.
• Outstanding communication, public speaking, and interpersonal skills.
• Working knowledge of artificial intelligence tools and a demonstrated willingness to evaluate and apply emerging technologies to improve efficiency, reporting, and operational effectiveness.

Benefits

• Health care plan (Employer paid)
• Retirement plan (401k)
• Life Insurance
• Paid Time Off (vacation, sick, holidays)
• Family Leave (maternity, paternity)
• Short Term & Long Term Disability
• Training & Development
• Wellness Resources