We are seeking an experienced
Vice President of Mortgage Processing & Underwriting in Missoula, MTto lead mortgage processing operations and directly underwrite residential mortgage loans. In this role you will oversee the end-to-end mortgage processing and underwriting operations, ensuring loan files are accurately packaged, thoroughly evaluated, and efficiently moved through the lending process.
Key Responsibilities:
- Lead, develop, and coach the Mortgage Processing team, fostering accountability, collaboration, and professional growth.
- Oversee daily departmental operations, including workflow management, staffing priorities, scheduling, and productivity to ensure exceptional service and timely loan processing.
- Maintain loan files and records.
- Exercise decision making in regard to the processing of home lending products.
- Gather information and receive loan file(s) from Real Estate Lending Officers and Processors.
- Validate application information in computer system as well as document.
- Ensure loan file, including documentation, is complete.
- Order credit reports, appraisals, title commitments, income verifications and other needed information and documentation.
- Work with Real Estate Lending Officers, Processors, and members to address problems and/or discrepancies in provided information for loan requests.
- Work with both the VP of Mortgage Originations and VP of Mortgage Servicing to achieve annual goals.
- Prepare and review closing loan documents.
- Disburse approved loans.
- Knowledge of home lending products offered, including staying up to date with regulatory changes.
- Analyze applicant financial status, credit history, and property evaluation to determine approval of loan.
- Communicate with mortgage processors and real estate lenders to resolve application information.
- Ensure legal and regulatory compliance of the credit union's home lending underwriting and processing areas.
- Manage and maintain home lending underwriting and processing procedures.
- Stay up to date with economic, business, regulations and financial conditions and their impact on the organization.
- Manage and report all loans that are HMDA reportable as required.
- Maintain and monitor all policies and procedures to include any updates or changes needed.
Qualifications:
- High school degree or equivalent.
- Associate or bachelor's degree in finance, business, accounting, economics, or a related field preferred.
- Five to ten years of similar or related experience, including time spent in preparatory positions.
- Knowledge of and demonstrated ability to implement effective people, time, project, and organizational management practices.
- Excellent written and verbal communication skills and to work effectively and efficiently with all levels of staff, members, and vendors.
This is a great opportunity for a mortgage professional who combines deep underwriting expertise, strong leadership skills, and a passion for delivering exceptional member service. If you are passionate about making a meaningful impact, we encourage you to apply!
We offer a comprehensive benefits package with more than 25 benefits beyond salary, including health insurance, PTO, 401(k) match, paid volunteer time and more!
