VP Real Estate Lending-Hybrid

Overview:

Provides executive leadership for the Credit Union’s residential real estate lending operations, including underwriting, processing, pre-funding audit, funding, servicing, default management, loss mitigation and system administration. Oversees portfolio management obligations, including portfolio performance, credit quality, pricing, risk, profitability and compliance, while guiding product design and enhancement to meet member needs, market demand and competitive conditions. Drives strategic transformation, technology modernization, operational effectiveness, regulatory compliance, loan quality, optimized turn-times and member experience through process discipline, data-driven management and adoption of emerging technologies.

Responsibilities:

• Provides strategic and day-to-day leadership that aligns real estate lending operations with the Credit Union’s mission, strategic priorities, risk appetite and corporate values.
• Leads a compliant, well-controlled operating environment that meets regulatory, investor, quality-control and internal governance expectations.
• Leads end-to-end residential real estate operations, including underwriting, processing, pre-funding audit, funding, servicing, default management, loss mitigation and related system administration.
• Develops and manages budgets, goals and operating plans that support production, service, quality, risk management and strategic transformation objectives.
• Establishes and monitors performance metrics for pipeline management, loan turn-times, cycle times, service levels, productivity, quality, risk indicators, pull-through and member experience.
• Maintains policies, procedures and operational controls that align with applicable laws, regulations, investor and secondary market requirements, including applicable Fannie Mae Selling Guide and Servicing Guide requirements, service standards and internal controls.
• Leads service design and workflow redesign initiatives that simplify the member and employee experience, reduce friction, improve communications and optimize time from application to funding.
• Monitors market, regulatory, technology and competitive trends and recommends products, services, strategies and process enhancements that create member value.
• Guides product design, pricing, delivery strategies and process enhancements that respond to member needs, market demand, competitive conditions and the Credit Union’s growth, service and risk objectives.
• Evaluates and manages third-party vendors, sub-servicers and technology providers to ensure service quality, compliance, operational resilience and value.
• Partners with Technology, Data & Analytics, Risk, Compliance, Finance, Sales and other stakeholders to implement scalable systems, reporting, automation and process improvements.
• Serves as a strategic advisor to executive leadership and committees, including ALCO and other governance forums, on performance, risk, quality, technology trends and transformation opportunities.
• Leads staffing, workforce planning and capacity management to support production demand, loan quality, service expectations, turn-time objectives and transformation initiatives.
• Collaborates cross-functionally to ensure lending programs are compliant, financially sound, operationally scalable and responsive to member and market needs.
• Establishes and executes the technology roadmap for real estate lending operations, including loan origination, servicing and workflow systems, ensuring solutions are scalable, efficient and aligned with strategic business objectives.
• Develops leaders and team members through coaching, performance management, succession planning and a culture of accountability, innovation, service and continuous improvement.
• Promotes and maintains a positive image of the Credit Union with employees, members, partners and the community.

Qualifications:

Education

• Minimum: 4 Year/Bachelor’s Degree
• Bachelor's degree in business administration or equivalent

 

Experience

• 7-10
• A minimum of 7 years of progressive leadership experience in residential real estate lending, mortgage operations or a related financial services environment, including experience overseeing underwriting, processing, funding, servicing and/or default management.
• Ten or more years of experience and prior leadership in a credit union, bank or regulated mortgage lending environment preferred. Experience leading operational transformation, technology implementation, automation, process reengineering, turn-time improvement or member experience initiatives.

 

Disclaimer

 

Equal Opportunity Employer/Veterans/Disabled

 

Pay Range: USD $155,627.69 - USD $249,004.31 /Yr.