Description:
General Summary
The Mortgage Production Manager provides leadership and direction to drive residential mortgage loan production. This includes recruitment, onboarding, coaching, and performance management of Mortgage Loan Officers (MLOs), Junior MLOs, and Mortgage Processor(s), as well as identifying marketing and business development opportunities to increase loan volume and member engagement. Key responsibilities of this role include executing sales strategies, managing pipeline performance, ensuring operational efficiency between origination and processing, and maintaining compliance with all applicable regulatory requirements. This role serves as a key liaison between the mortgage production team, internal departments, and third-party service providers supporting outsourced underwriting and closing functions. The manager oversees home equity and HELOC production, ensuring alignment with credit union goals, risk standards, and member service expectations.
Essential Functions
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Lead, coach, and develop a team of Mortgage Loan Officers, Junior MLOs, and Mortgage Processor(s) to meet or exceed production, service, and quality goals.
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Recruit, train, onboard, and mentor new MLOs and Junior MLOs, establishing performance expectations and career development plans.
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Conduct regular one-on-one meetings with direct reports to review performance metrics, pipeline status, quality standards, and professional development objectives, complete required documentation and written reviews.
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Manage and monitor the mortgage loan production pipeline to ensure accuracy, timeliness, and efficient workflow from application through submission to outsourced underwriting and closing partners.
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Serve as the primary escalation point for pipeline issues, member concerns, and processing bottlenecks, coordinating resolutions with internal teams and external vendors as needed.
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Collaborate with the AVP of Mortgage Lending and Chief Lending Officer to identify market trends, product needs, pricing strategies, and marketing initiatives.
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Originate residential mortgage loans within the credit union’s defined service markets and maintain a personal book of business consistent with organizational expectations.
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Ensure exceptional member service through thorough knowledge of mortgage products, policies, procedures, and regulatory requirements; reinforce consistent application of standards across the team.
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Maintain compliance with all federal and state lending regulations, including SAFE Act, HMDA, Fair Lending, and NMLS requirements; promote a strong culture of ethical lending practices.
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Establish and promote community, realtor, builder, and professional partnerships to enhance brand awareness and referral opportunities.
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Partner with processing staff to ensure complete, accurate, and compliant loan files are submitted to third-party underwriting and closing partners.
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Monitor performance metrics including production volume, pull-through rates, cycle times, and quality indicators; prepare reports and communicate results to leadership.
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Recommend and support improvements to mortgage workflows, procedures, and technology to enhance efficiency, quality, and scalability.
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Maintain strong vendor relationships with mortgage service providers, including processing systems and outsourced partners.
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Participate in continuing education to remain current with industry trends, regulatory updates, and operational best practices.
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Maintain active Nationwide Multistate Licensing System & Registry (NMLS) registration and comply with all SAFE Act requirements.
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Oversee and support the origination of home equity loans and HELOCs by MLOs and Junior MLOs, including production performance, pipeline management, and compliance adherence.
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Perform related duties and responsibilities as required and any other duties as assigned.
Requirements:
Required:
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Minimum of ten (10) years of experience in residential mortgage origination
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High school diploma or equivalent
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Active NMLS license
Desired:
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Associate or Bachelor’s degree in Business, Finance, Management, or related field
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Three (3) or more years of progressively responsible leadership or supervisory experience in mortgage lending
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Demonstrated experience managing loan originators and support staff in a production-focused environment
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Strong working knowledge of conventional, FHA, VA, and other mortgage programs and guidelines
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Proven ability to coach sales performance while maintaining high quality and compliance standards
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Excellent interpersonal, communication, and presentation skills
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Strong organizational and time-management abilities with experience managing multiple priorities in a fast-paced environment
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Proficiency with Mortgage Origination Systems (LOS), CRM tools, and Microsoft Word, Excel, PowerPoint, and Outlook
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Working knowledge of first lien mortgage products as well as home equity loans and HELOCs, including applicable underwriting guidelines and regulatory requirements
Physical Requirements
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is frequently required to sit, use hands to finger, handle or feel, and talk or hear. The employee is occasionally required to stand, walk, bend, kneel, and reach above or at shoulder level. The employee must occasionally lift, push, pull, and/or carry up to 30 pounds.
