Bachelor's degree in Business, Finance, Accounting, or related field preferred.
10+ years of mortgage banking experience, especially in processing or fulfillment.
Demonstrated expertise in managing end-to-end residential mortgage fulfillment.
Prior experience in scaling or enhancing mortgage fulfillment processes preferred.
Strong familiarity with residential mortgage products and federal regulations.
Experience with mortgage technologies and loan origination systems.
Strong leadership and team management experience.
Responsibilities
Lead the overall mortgage fulfillment process from opening to closing and funding.
Manage workflows for operational efficiency, compliance, and quality control.
Review credit decisions and manage documentation for closing.
Ensure timely and compliant mortgage disclosures and regulatory adherence.
Collaborate with stakeholders and third-party vendors to resolve issues.
Monitor performance metrics and identify improvement opportunities.
Drive operational efficiency and scalable processes in mortgage fulfillment.
Benefits
Opportunities for team leadership and talent development.
Focus on operational excellence and process improvement.
Engagement with diverse mortgage products and investor relationships.
Chance to lead in a high-growth, fast-paced industry.
Collaboration with internal and external stakeholders for comprehensive solutions.
Full Job Description
Key Responsibilities
Mortgage Fulfillment & Processing Leadership
Lead and oversee the end-to-end residential mortgage fulfillment process from loan opening through closing and funding, including coordination with centralized Bank Operations for post-closing activities, booking, collateral perfection, and ongoing operational support.
Manage mortgage processing workflows to ensure operational efficiency, quality control, service excellence, compliance, and timely loan execution.
Review approved credit decisions and coordinate all documentation, conditions, and requirements necessary to satisfy closing conditions.
Oversee the collection and review of documentation including appraisals, title reports, insurance, flood certifications, commitment letters, legal documentation, collateral documentation, payoffs, disclosures, and regulatory requirements.
Manage and oversee the mortgage disclosure process to ensure accurate, timely, and compliant preparation, issuance, and management of initial and revised disclosures in accordance with applicable regulatory requirements, internal policies, and service-level expectations, including RESPA, TRID, ECOA, HMDA, Fair Lending, and applicable federal and state mortgage regulations.
Coordinate effectively with Underwriting, Credit Risk, Compliance, Legal, Sales, Relationship Managers, and external parties to facilitate timely loan closings and issue resolution.
Serve as primary liaison among internal stakeholders, third-party vendors, settlement agents, title companies, attorneys, appraisal management companies, and borrowers.
Ensure loan files are complete, compliant, and fulfillment-ready prior to closing and funding, while establishing and achieving standardized service-level expectations (SLAs).
Oversee funding, disbursement accuracy, and coordination with centralized Bank Operations regarding loan booking, post-closing documentation, collateral perfection, trailing documents, and quality assurance requirements.
Operational Excellence & Process Management
Develop, implement, and continuously improve mortgage fulfillment processes, workflows, controls, and service standards in partnership with centralized operational teams.
Drive operational efficiency, pull-through optimization, cycle time improvement, and process scalability as the mortgage platform expands.
Lead implementation of workflow enhancements, automation initiatives, technology improvements, and scalable fulfillment processes.
Partner with leadership to operationalize new products, programs, policies, regulatory requirements, and strategic initiatives.
Monitor pipeline performance, service levels, aging, fallout trends, and operational metrics to identify opportunities for improvement.
Establish and maintain reporting, dashboards, and performance metrics related to pipeline management, fulfillment efficiency, service levels, and execution effectiveness.
Ensure consistent adherence to bank policies, procedures, audit standards, and risk management expectations.
Team Leadership & Talent Development
Lead, mentor, and manage mortgage processing and fulfillment personnel, including future direct reports as the platform scales.
Build a high-performing processing and fulfillment team focused on accountability, responsiveness, accuracy, communication, and client experience.
Develop training, procedures, job aids, and best practices for fulfillment personnel.
Foster strong communication, collaboration, and partnership across Sales, Credit, Underwriting, centralized Bank Operations, Compliance, and Executive Leadership.
Compliance, Risk Management & Quality Control
Maintain strong oversight of mortgage compliance, quality control, audit readiness, and regulatory adherence.
Ensure fulfillment processes meet all applicable federal, state, investor, and internal policy requirements.
Oversee HMDA-related operational data integrity and support regulatory reporting requirements.
Partner closely with Compliance, Legal, Risk, and Internal Audit to implement controls and remediate operational findings, if applicable.
Monitor loan documentation quality, regulatory disclosures, funding accuracy, and file completeness to ensure a high standard of execution.
Maintain awareness of evolving regulatory requirements and mortgage industry operational best practices.
Vendor Management & Technology
Manage key third-party mortgage vendors and fulfillment partners including LOS, PPE, appraisal management companies, title providers, flood vendors, compliance systems, and closing service providers.
Partner with internal technology and business stakeholders to support mortgage technology implementation, enhancements, integrations, and process optimization.
Evaluate vendor performance and service-level standards to ensure operational effectiveness and client satisfaction.
Secondary Markets
Support the development and execution of a secondary market lending platform and correspondent lending capabilities as the mortgage platform matures.
Lead onboarding and management of investor relationships, including agency, non-agency, jumbo, portfolio, and correspondent lending partners.
Support mortgage lending program development and implementation, including new product onboarding, investor guidelines, operational readiness, and fulfillment process integration.
Coordinate negotiation, implementation, and ongoing administration of Mortgage Loan Purchase Agreements (MLPAs), correspondent agreements, investor due diligence requirements, and related operational documentation.
Assist in management of investor relationships, loan delivery requirements, due diligence expectations, and loan sale readiness.
Oversee mortgage lock administration, lock policy adherence, pricing updates, and pipeline monitoring to mitigate operational and market risk.
Coordinate complete and accurate delivery of loan packages for investor purchase, due diligence review, and third-party quality control.
Partner with leadership on pricing, margin optimization, lock desk functionality, and secondary execution strategy.
Maintain understanding of agency, non-agency, jumbo, portfolio, and correspondent lending requirements.
Qualifications & Experience
Bachelor's degree in Business, Finance, Accounting, Economics, or related field preferred.
Minimum 10+ years of mortgage banking experience with meaningful experience in mortgage processing, fulfillment, secondary marketing, capital markets, mortgage workflow management, or mortgage fulfillment leadership.
Prior experience building, scaling, or enhancing mortgage fulfillment processes preferred.
Strong understanding of residential mortgage loan products including jumbo, portfolio, ARM, non-QM, and agency mortgage structures.
Working knowledge of mortgage secondary markets, investor delivery, lock desk operations, pricing, correspondent lending, and loan sale execution preferred.
Strong familiarity with federal mortgage regulations including RESPA, TRID, ECOA, HMDA, Fair Lending, Flood, and applicable compliance requirements.
Experience working with mortgage loan origination systems, pricing engines, compliance systems, and mortgage technologies.
Prior people leadership and team management experience strongly preferred.
Knowledge, Skills & Competencies
Exceptional leadership and execution capabilities.
Strong knowledge of mortgage fulfillment, underwriting coordination, disclosures, closing, funding, and post-closing requirements.
High attention to detail with strong quality control orientation.
Excellent organizational, communication, and problem-solving skills.
Ability to manage multiple priorities in a fast-paced, high-growth environment.
Strong partnership mindset and ability to collaborate effectively across multiple business functions.
Strategic thinker with a hands-on, execution-oriented approach.
Ability to implement change and drive process improvement initiatives.
Strong analytical and reporting skills with focus on pipeline management, operational metrics, and service delivery.
Working Conditions
Ability to work in a fast-paced and evolving environment while maintaining high standards of accuracy, responsiveness, and professionalism.
May require flexibility to support time-sensitive closing, funding, and operational priorities.
