VICE PRESIDENT OF RESIDENTIAL MORTGAGE LENDING
$150,000–$200,000 year
On-siteHattiesburg, Mississippi, United States
Job Summary
Lead the mortgage lending team and oversee origination, underwriting, processing, and servicing to optimize efficiency and loan turnaround times. Drive sustainable loan growth by executing secondary market strategies, managing vendor oversight, and making delegated credit decisions on complex files. Serve as the primary authority for regulatory compliance, conducting routine file audits to ensure strict adherence to TILA/Reg Z, RESPA, and Fair Lending standards while maintaining up-to-date loan procedure manuals. Provide leadership through structured team meetings, performance evaluations, and coaching to foster accountability and exceptional member service.
Required Qualifications
- A minimum of five (5) years of progressive experience in mortgage lending, with at least 3 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.
- 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 Sunbelt FCU with management, employees, members, 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.
- U.S. Citizenship
- Successfully passing a background investigation
Desired Qualifications
- Direct experience with Encompass is highly preferred but not required, along with the ability to leverage all platforms to maximize departmental efficiency.
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