Supervisor, Mortgage Origination

Navy Federal Credit Union; Cleveland (OH); On-site; USD 95,000 - 130,000; Full time

Job summary

Navy Federal Credit Union is seeking an experienced Mortgage Production Manager in Cleveland to oversee origination processes for purchases and refinances. You will supervise section staff, ensure adherence to guidelines, and coordinate training to maintain high quality loan documentation and workflow efficiency.

The role requires strong leadership, regulatory knowledge, and the ability to drive improvements across the mortgage production team.

Qualifications

• Knowledge of Navy Federal mortgage products, services and procedures.
• Experience with compliance analysis and regulatory guidelines (Federal/NCUA).
• Proven ability to lead, mentor, and supervise teams.

Responsibilities

• Supervise operations to meet production goals and service levels.
• Identify and drive efficiencies to improve departmental performance.
• Coordinate with processing/closing teams to ensure timely loans with proper documentation.
• Review loan applications for viability and compliance with guidelines.
• Audit closing costs, rate structures, and transfer processes; assist with complex loans.
• Provide training and direction on processes; resolve member issues and escalations.
• Ensure adherence to documentation and disclosure requirements and HR policies.

Skills

Mortgage knowledge

Leadership

Training

Regulatory compliance

Communication

Team supervision

Process improvement

Education

Bachelor's Degree in Business Administration

Job description

Overview

Navy Federal Credit Union currently does not provide sponsorship for this role. Applicants must be authorized to work in the United States without the need for current or future sponsorship.

To provide oversight and coordination of mortgage loan origination for purchases and refinances for a particular section of Mortgage Production/Field Mortgage. Conduct and coordinate training for the section staff to ensure loan application and documentation conform to loan product requirements and federal, state, local regulations, as well as NFCU and NCUA requirements. Provide oversight and coordination of mortgage loan workflow and productivity. Supervise section team members and activities.

Responsibilities

• Supervise and direct operations to ensure production goals, service level agreements and corporate objectives are met
• Identify, initiate, and drive change strategies to improve departmental efficiencies
• Collaborate with various levels of staff as well as processing/closing teams to ensure purchase and refinance loans are closed expeditiously with appropriate documentation
• Review and evaluate mortgage purchase and refinance loan applications to ensure viability (member's debt to income ratio and compensating factors) and compliance with Federal and Navy Federal guidelines, performing file audits, as needed to confirm viable loan applications (income, asset, credit, etc.)
• Review loan files for accuracy of estimated closing costs and initial loan rate / point structure
• Audit for SLA, accuracy, and documentation completion for "Green Light" transfer to PC team
• Provide assistance and direction on complex/unique or unusual loans
• Resolve escalated member issues and problems
• Train team members and/or peers on functional processes and procedures
• Ensure compliance with documentation and disclosure requirements
• Identify and resolve issues with closing attorney/agent, realtor, or other related party
• Work with Mortgage Trainers to receive and distribute current information regarding loan program changes, automated system changes, underwriting requirements and documentation requirements for purchases and refinances
• Analyze changes in policies, procedures, and products; determine the impact on the functions of the section
• Monitor daily production reports, for "action items", driving purchase and refinance loan production and staff work volume; adjust assignments to meet fluctuating workload
• Assist with marketing efforts and promotional activities for members and real estate professionals through financial presentations, real estate organizations and other local events
• Perform supervisory/managerial responsibilities:
  • Act as Manager in the incumbent's absence
  • Supervise daily activities, coach, counsel, and document employee performance
  • Prepare and conduct and review performance appraisals
  • Lead recruiting efforts for effective selection of new section team members
  • Ensure compliance with all HR related policies, practices, and procedures, such as timekeeping, recruiting, compensation, separations, leave usage, etc.
  • Direct ongoing training for staff; coach, evaluate, and provide corrective guidance; provide regular feedback to staff on their performance based upon key performance indicators; evaluate training to ascertain effectiveness
  • Provide input on budget requirements for Annual Financial Plan
  • Ensure efficiency of operations, identify operational issues, and make recommendations for improvement
• Performs other duties as assigned

Qualifications

• Working knowledge of Navy Federal mortgage products, services, programs, policies, and procedures
• Working knowledge of conventional, FHA, VA loans & RESPA guidelines
• Experience working in a high volume, fast paced environment
• Experience in compliance analysis
• Experience in leading, guiding, and mentoring others
• Ability to interpret and apply regulations, instructions, and procedures
• If selected, will be required, prior to the assumption of employment duties, to register with the Nationwide Mortgage Licensing System and Registry; includes fingerprinting and background checks
• Effective skill maintaining accuracy with attention to detail and meeting deadlines
• Effective verbal and written communication skills
• Effective word processing and spreadsheet software skills
• Effective skill exercising initiative and using good judgment to make sound decisions
• Effective organizational, planning and time management skills

Desired Qualifications

• Working knowledge of Navy Federal products, services, programs, policies, and procedures Bank Secrecy Section
• Familiarity with financial institution and mortgage lending practices, principles, and regulations
• Working knowledge of Navy Federal mortgage products, services, programs, policies, and procedures
• Bachelor's Degree in Business Administration or the equivalent combination of training, education, and experience

Hours

• Monday - Friday, 8:00AM - 4:30PM

Location

• 1300 E. 9th Street, Suite 1815 Cleveland, OH 44114

About Us

Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks. Our approach to careers is simple yet powerful: Make our mission your passion.

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Equal Employment Opportunity

All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.

Accommodations

If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at [e-mail] or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.

Disclaimers

Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team's discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.

Bank Secrecy Act

Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.