Remote Real Estate Lending Leader (West Coast)

National Mortgage Staffing; Modesto (CA); Remote; USD 85,000 - 105,000; Full time

Benefits offered by this job

Annual incentive up to 2.25%

Job summary

National Mortgage Staffing is assisting a credit union in recruiting a Remote Mortgage Lending Manager to lead real estate lending across first mortgage and home equity. The role oversees origination, underwriting, processing, closing, post-closing, and secondary market activities while upholding credit, compliance, and service standards.

This senior leader role requires Pacific Time availability, full-time hours, and a track record in mortgage operations.

Qualifications

• 5–10 years of progressively responsible real estate lending experience.
• Broad experience across mortgage origination, underwriting, operations, and secondary market execution.
• Supervisory or team leadership experience preferred.
• Direct Fannie Mae and Freddie Mac loan delivery experience.
• Strong knowledge of Agency selling guides, eligibility requirements, and loan delivery processes.
• Experience establishing and managing correspondent and wholesale lending relationships.
• Experience evaluating loan participation and loan purchase transactions.
• Strong mortgage underwriting knowledge consistent with Fannie Mae and Freddie Mac guidelines.
• Experience with first mortgages and home equity lending.
• Experience with ITIN borrower lending is a plus.
• Experience managing mortgage vendors including LOS providers, AMCs, contract underwriters, and loan servicers.
• Regulatory examination or investor audit experience preferred.
• Experience managing production goals and lending KPIs.
• Strong leadership, coaching, mentoring, and staff development skills.
• Knowledge of federal and state banking regulations and lending compliance requirements.

Responsibilities

• Oversee the full real estate lending lifecycle from origination through underwriting, processing, closing, post-closing, and secondary market delivery.
• Lead first mortgage and home equity lending operations.
• Manage direct loan delivery to Fannie Mae and Freddie Mac.
• Maintain knowledge of Agency selling guides, eligibility requirements, and investor delivery standards.
• Establish and manage correspondent and wholesale lending relationships.
• Evaluate loan participation and loan purchase opportunities.
• Underwrite and approve real estate loan requests within credit authority.
• Support ITIN borrower lending and related activities.
• Manage third-party mortgage vendors and loan servicers.
• Manage pre- and post-closing audit processes and address findings.
• Support regulatory examinations and investor audits.
• Develop and maintain policies and SOPs for real estate lending.
• Monitor department KPIs, production goals, and pipeline trends.
• Identify performance gaps and implement corrective actions.
• Lead and develop real estate lending staff.

Skills

Mortgage lending

Lending operations

Leadership

Underwriting

Fannie Mae/Freddie Mac

Vendor management

Education

Bachelor’s degree in Finance, Business Administration, or related field

Job description

National Mortgage Staffing is assisting a credit union in recruiting a Remote Mortgage Lending Manager to lead real estate lending across first mortgage and home equity. The role oversees origination, underwriting, processing, closing, post-closing, and secondary market activities while upholding credit, compliance, and service standards.

This senior leader role requires Pacific Time availability, full-time hours, and a track record in mortgage operations.