At Clearwater Credit Union, we believe financial services should strengthen lives, communities, and futures. We are seeking an experienced Vice President of Mortgage Processing & Underwriting in Missoula, MT to 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:
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Lead, develop, and coach the Mortgage Processing team, fostering accountability, collaboration, and professional growth.
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Oversee daily departmental operations, including workflow management, staffing priorities, scheduling, and productivity to ensure exceptional service and timely loan processing.
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Maintain loan files and records.
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Exercise decision making in regard to the processing of home lending products.
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Gather information and receive loan file(s) from Real Estate Lending Officers and Processors.
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Validate application information in computer system as well as document.
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Ensure loan file, including documentation, is complete.
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Order credit reports, appraisals, title commitments, income verifications and other needed information and documentation.
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Work with Real Estate Lending Officers, Processors, and members to address problems and/or discrepancies in provided information for loan requests.
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Work with both the VP of Mortgage Originations and VP of Mortgage Servicing to achieve annual goals.
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Prepare and review closing loan documents.
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Disburse approved loans.
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Knowledge of home lending products offered, including staying up to date with regulatory changes.
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Analyze applicant financial status, credit history, and property evaluation to determine approval of loan.
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Communicate with mortgage processors and real estate lenders to resolve application information.
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Ensure legal and regulatory compliance of the credit union’s home lending underwriting and processing areas.
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Manage and maintain home lending underwriting and processing procedures.
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Stay up to date with economic, business, regulations and financial conditions and their impact on the organization.
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Manage and report all loans that are HMDA reportable as required.
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Maintain and monitor all policies and procedures to include any updates or changes needed.
Qualifications:
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High school degree or equivalent.
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Associate or bachelor’s degree in finance, business, accounting, economics, or a related field preferred.
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Five to ten years of similar or related experience, including time spent in preparatory positions.
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Knowledge of and demonstrated ability to implement effective people, time, project, and organizational management practices.
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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!
At Clearwater, we’re committed to creating a workplace where employees feel supported, valued, and connected to meaningful work. 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!
