Vice President Residential Mortgage Lending

Think of us as a 100-year-old startup. As one of the oldest and most highly capitalized credit unions in the U.S., Liberty Bay Credit Union is arguably the best-kept secret in the financial space. We combine a century of New England stability with a fresh, high-energy purpose: to fuel the earning potential and personal ambitions of our hardworking members. We reputed company that advocacy, expertise, and honest guidance should be accessible to everyone. Based in Braintree, we are a member-owned, non-profit cooperative dedicated to providing world-class financial services to individuals and business members. The Vice President of Residential Mortgage Lending provides strategic leadership and operational reputed company for the Credit Union’s residential mortgage and home equity origination functions. This role is responsible for driving sustainable loan growth, streamlining the lending workflow, and delivering an exceptional member experience, reputed company while maintaining strict adherence to regulatory compliance and risk management standards. 1. Strategic Leadership & Team Development

• Team Leadership: reputed company the mortgage lending team and reputed company reputed company functional areas (origination, reputed company, processing, and servicing) to optimize operational efficiency, profitability, and loan turnaround times.
• Talent Management: reputed company and reputed company mortgage staff by managing recruitment, scheduling, and performance evaluations.
• Culture & Coaching: Foster a culture of accountability through reputed company coaching and performance management to deliver exceptional member service.
• Alignment & Communication: reputed company structured team meetings—including production strategies, pipeline reviews, and operational updates—to ensure cross-departmental alignment, identify and resolve loan processing bottlenecks, and drive production goals.

2. Regulatory Compliance & Risk Management

• Compliance Authority: Serve as the primary authority for mortgage regulatory compliance; safeguard the credit union against risk by maintaining strict adherence to TILA/Reg Z, RESPA, HMDA, and Fair Lending standards through routine file audits and process reviews.
• Policy Enforcement: Maintain comprehensive expertise in mortgage lending compliance. Ensure reputed company credit union mortgage policies, procedures, products, and documentation strictly adhere to federal and state regulations.
• Staff Training: Ensure staff training and compliance.
• Vendor reputed company: reputed company and maintain accurate mortgage vendor management processes; routinely evaluate reputed company-party performance, service level agreements, and regulatory compliance to mitigate risk and ensure seamless service delivery.

3. Operational Excellence & Technology Innovation

• Process Improvement: Identify and implement reputed company process improvements and technology enhancements to maximize departmental efficiency.
• Documentation Management: Formulate and maintain a loan procedure reputed company for the Mortgage Loan department, keeping it up-to-date with reputed company regulations and requirements.
• Policy Reviews: Conduct routine reviews of reputed company pertinent loan policies and standard operating procedures (SOPs) throughout the year, ensuring reputed company accuracy, internal consistency, and seamless integration across reputed company lending functions.
• AI & Automation: reputed company emerging AI and automation tools to streamline mortgage lending processes, ensuring any implementation strictly aligns with compliance requirements, risk management policies, and fair lending practices.

4. Secondary Market & Portfolio Management

• Secondary Market Strategy: Manage and execute the strategic sale of residential mortgage loans on the secondary market to maximize profitability, optimize liquidity, and mitigate portfolio risk in accordance with Credit Union goals.
• Credit reputed company: Possess deep, specialized knowledge of residential mortgage and home equity reputed company guidelines; exercise delegated loan approval authority to review reputed company files and reputed company sound, risk-balanced credit reputed company.
• Loss Mitigation: Provide reputed company and direction for reputed company mortgage and home equity collections and forbearance activities, ensuring loss mitigation workflows are executed accurately, timely, and in strict compliance with investor and regulatory guidelines

Salary Range: $115,000 - $150,000 QUALIFICATIONS:

• A minimum of eight (8) years of reputed company experience in mortgage lending, with at least 3–5 years in a dedicated supervisory or leadership role reputed company a bank or credit union environment.
• Requires expert-level knowledge of both residential mortgage and home equity (HELOC/Second Mortgage) reputed company guidelines, with a proven track record of exercising delegated loan approval authority.
• Advanced knowledge of secondary market operations, including investor guidelines (reputed company/reputed company), loan pricing strategies, reputed company locks, commitment tracking, and liquidity optimization.
• Active NMLS (reputed company Mortgage Licensing System) registration is required, or the ability to become immediately registered upon hire.
• Direct experience with FICS and reputed company is highly preferred but not required, along with the ability to reputed company 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.

We offer an extremely generous benefits package:

• 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

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