Education First Federal Credit Union ยท 1 month ago
Assistant Vice President Mortgage Lending
Beaumont, TX
Full-time
Onsite
Mid, Senior Level
5+ years expEducation First Federal Credit Union is seeking an Assistant Vice President of Mortgage Lending to oversee the mortgage loan production process from origination through funding. This role involves leading the mortgage department, ensuring high-quality member service, and driving strategic initiatives for operational excellence and growth.
Banking
Responsibilities
Manage the daily operations of the mortgage department to ensure optimal workflow, loan quality, and operational efficiency
Assign, direct, coordinate, and review the work of staff
Champion a member-first mindset, ensuring members receive timely and professional communication throughout the loan process
Work with mortgage loan manager to improve service standards and member satisfaction
Recommends individual production goals, performance expectations, and appropriate staffing levels to VP of Lending
Track agent production, including originations, funded loans, and conversion metrics
Establish monthly call-queue performance standards and monitor adherence
Implement ongoing optimization of inside sales processes, systems, and performance metrics
Review and monitor the quality of loan production volume for processing and origination
Lead hiring, onboarding, and training of high-performing mortgage sales and operational staff
Supports Mortgage Loan Manager with evaluation of team performance and contributing to coaching, mentoring, and development for the team
Recommend salary adjustments, promotions, disciplinary actions, and discharges as needed
Address employee relations issues and execute all administrative management functions
Promote professional development and support career progression for team members
Create and maintain a culture of success, accountability, and continuous improvement
Assist senior management with the development and implementation of new loan products
Make recommendations to VP of Lending regarding loan policy, underwriting guidelines, and interest rates
Develop and execute strategies to achieve mortgage loan growth and profitability targets aligned with the organization's strategic plan
Identify and expand revenue generating products, and services, and proactively pursue cost-reduction strategies to enhance overall efficiency
Collaborate with marketing team to initiate and implement promotions and campaigns to boost sales and awareness of credit unions mortgage loan products and services as needed
Cultivate branch awareness of mortgage products and services through frequent coaching and interaction with branch staff
Provide guidance to ensure effective referrals, member engagement, and product alignment
Support strong relationship development across the branch network to grow mortgage lending opportunities
Participate in community outreach and business partnerships to enhance the organization's visibility and market presence
Ensure all mortgage loans are underwritten to FNMA guidelines and internal portfolio lending standards
Identify opportunities to streamline processes, enhance service delivery, and increase operational efficiency
Lead or support process-improvement initiatives aligned with organizational goals
Manages projects or assignments pertaining to mortgage loan products or process as needed or directed by upper management
Collaborate with cross-functional teams to deploy new programs and process enhancements
Monitor loan pipelines and workflow to prevent bottlenecks and maintain strong turn times
Monitor industry regulations, FNMA and agency updates, market trends, and competitive landscape
Advise senior management regarding regulatory changes and industry best practices
Ensure lending practices comply with all applicable laws, policies, guidelines, and investor requirements
Manages requests from auditors and examiners as needed
Maintain oversight of monthly production reports
Directs the management of accurate and timely HMDA reporting to meet the annual submission deadline
Monitors the collection of 3rd party vendor documents and ensures that 3rd party due diligence is completed on an annual basis
Ensure data accuracy and integrity across LOS, CRM, and reporting systems
Qualification
Required
5 - 7+ years of mortgage lending or mortgage sales experience
3+ years of experience leading a lending or sales team, preferably in mortgage or financial services
Proven record of achieving production goals and developing high-performing teams
Strong understanding of mortgage products, pricing, underwriting, FNMA guidelines, portfolio lending standards, and regulatory compliance
Demonstrated ability to plan, execute, and monitor sales strategies and performance metrics
Excellent leadership, communication, coaching, and interpersonal skills
Ability to analyze data, identify trends, and recommend solutions
Proficiency with mortgage LOS systems, CRM tools, HMDA reporting systems, and sales performance platforms
Preferred
Bachelor's degree in Business, Finance, or related field preferred (or equivalent experience)
Company
Education First Federal Credit Union
Education First Federal Credit Union offers an array of bank services including auto, mortgage, business, home equity loans.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Kevin C.
President & CEO
Bruce Clark, CFA
Chief Financial Officer
Company data provided by crunchbase