Director of Mortgage Origination

Title: Director of Mortgage Origination

Reports to: Chief Sales Officer

Supervises: Mortgage Loan Officer (including Outside Sales)

Status: Exempt

Objective

The Director of Mortgage Origination will lead the mortgage team to achieve business goals and drive growth. This includes coaching and developing staff, ensuring a seamless borrower experience, maintaining compliance, and enhancing loan origination quality. The role also involves strategic planning, market analysis, recruiting and building sales teams, strengthening COI relationships, collaborating on new product development, and optimizing processes for efficiency. Additionally, this leader will ensure staff expertise in mortgage products and systems while partnering with key stakeholders to drive enhancements based on member and associate feedback.

Duties and Responsibilities

Team Management & Leadership

• Recruits, trains, develops, and coaches the mortgage origination team to achieve service excellence and sales production goals
• Conducts team meetings, provides ongoing education, and ensures staff maintains expertise in mortgage products, systems, and compliance requirements
• Motivates and holds team members accountable for performance, ensuring a culture of high service standards, collaboration, and continuous improvement
• Addresses borrower inquiries, escalations, and complaints, ensuring issues are resolved effectively and in compliance with regulations

Strategy & Business Growth

• Develops and executes strategies to drive mortgage origination growth while aligning with the organization's financial goals and market conditions
• Analyzes key performance metrics to identify trends, opportunities, and areas for improvement
• Builds and expands relationships with referral partners, real estate agents, and financial professionals to increase loan volume
• Partners with marketing to design and execute targeted campaigns, events, and lead generation strategies

Compliance & Risk Management

• Ensures department adherence to all mortgage industry regulations, investor guidelines, and internal policies
• Develops and maintains policies, procedures, and quality control measures to uphold regulatory compliance and minimize risk
• Ensures ongoing training of staff on regulatory changes, compliance requirements, and best practices in mortgage origination
• Participates in internal audits and delivers reporting to ensure adherence to legal and operational standards

Process Improvement & Operational Efficiency:

• Monitors, refines, and implements department processes and procedures to maximize efficiency and loan quality
• Collaborates with mortgage operations and processing teams to enhance workflows and improve borrower experiences
• Leads enterprise-wide initiatives and cross-functional projects to drive innovation and operational improvements
• Identifies and implements technology solutions to streamline loan origination and enhance productivity

Cross-Functional Collaboration:

• Serves as a liaison between sales, operations, marketing, and compliance teams to ensure alignment on goals and priorities
• Partners with product development teams to identify borrower needs and contribute to new product and service enhancements
• Works closely with executive leadership to provide insights, recommendations, and updates on business performance and strategic initiatives

Other Duties:

• Performs all duties in a manner that is fully compliant with applicable industry regulations as well as KEMBA policy and procedures
• Develops an understanding of Credit Union history, philosophy, organization, policies, and operational procedures
• On a self-direct basis, continues to improve individual level of competency through training and certification on established educational programs
• Relates to others beyond giving and receiving instructions:
  • Communicates with coworkers or peers without exhibiting behavioral extremes
  • Performs work activities requiring negotiating, instructing, supervising, persuading, or speaking with others
  • Responds appropriately to feedback from leaders
• Performs other duties as required by management

Required Qualifications

• 7-10 years of experience in mortgage origination, with at least 5 years in a leadership role
• Bachelor's degree in Business, Finance, or a related field or equivalent work experience
• Strong knowledge of mortgage products, services, and regulatory requirements
• Excellent leadership, communication, and interpersonal skills
• Proven ability to develop and implement effective strategies and achieve results
• Strong analytical and problem-solving skills
• Ability to work effectively in a fast-paced, dynamic environment
• Ability to successfully manage and coach a team across remote and in-person settings

Physical Demands

The physical demands listed below represent those necessary to perform the essential functions of this role. Reasonable accommodation may be provided to enable individuals with disabilities to perform these functions.

The employee is regularly required to sit, use their hands, reach with their arms, and communicate verbally and orally. Occasional standing, walking, and lifting of objects up to 15 pounds are required. Vision requirements include close, distance vision, and focus adjustment.

Eligibility

Laptop: Yes

Remote/Hybrid Work: Yes

Cell Phone Reimbursement: Yes

Vehicle Reimbursement: No