VP of Lending

Guaranteed Rate Affinity, LLC.; New York (NY); On-site; USD 180,000 - 260,000; Full time

Job summary

Guaranteed Rate Affinity, LLC. in New York, NY seeks a VP of Lending to lead lending operations, drive production goals, ensure sound credit quality and regulatory compliance, and partner with sales, underwriting, and operations to deliver a smooth borrower experience.

The role oversees origination, structuring, and approval of mortgage loans, sets policy, analyzes market trends, and mentors lending staff to grow business while maintaining ethical standards.

Qualifications

• Strong expertise in Consumer Lending and mortgage products.
• Experience in underwriting and credit risk evaluation.
• Knowledge of federal, state, and investor lending regulations; NMLS preferred.
• Proven leadership in lending operations and target-driven performance.

Responsibilities

• Lead lending operations and drive production goals.
• Oversee origination, structuring, and approval of mortgage loans.
• Partner with loan officers, underwriters, and operations teams.
• Review complex loan files and advise on lending strategies.
• Develop policies aligning with risk standards and investor guidelines.
• Foster internal and external relationships to grow business volume.

Skills

Consumer Lending

Underwriting

Finance Principles

Commercial Lending

Leadership

Regulatory Knowledge

Communication Skills

Relationship Building

Education

Bachelor's degree in Finance, Business, Economics, or related field

Job description

Company Description Guaranteed Rate Affinity is a national mortgage lender focused on delivering an outstanding home financing experience through competitive rates, strong customer service, and a fast, straightforward process. Formed as a joint venture between Guaranteed Rate, Inc. and Anywhere Integrated Services, LLC, the company operates under rigorous regulatory and licensing standards across multiple states. With a presence in New York, including its West 14th Street location, Guaranteed Rate Affinity serves a diverse range of borrowers while maintaining Equal Housing Lender commitments. The organization promotes a professional, compliant, and customer-centered culture, offering career opportunities for individuals who want to help clients navigate the mortgage process with confidence.

Role Description The VP of Lending is a full-time, on-site position based in New York, NY, responsible for leading lending operations and driving production goals while ensuring sound credit quality and regulatory compliance. The role oversees the origination, structuring, and approval of mortgage loans, partnering with loan officers, underwriters, and operations teams to deliver a smooth borrower experience. Day-to-day activities include reviewing complex loan files, advising on lending strategies, managing pipeline performance, and implementing policies that align with company risk standards and investor guidelines. The VP of Lending collaborates with senior leadership to analyze market trends, optimize lending programs, and support training and development of lending staff. This position also involves fostering strong internal and external relationships to grow business volume while maintaining ethical, customer-focused practices.

Qualifications

• Candidates should possess strong expertise in Consumer Lending and Loans, including mortgage products and borrower qualification standards.
• Candidates should possess solid experience in Underwriting, with the ability to evaluate credit risk, income, assets, and collateral for complex loan scenarios.
• Candidates should possess knowledge of Finance principles, including pricing, profitability analysis, and portfolio performance metrics.
• Candidates should possess familiarity with Commercial Lending where relevant, including understanding of business financials and property-related risk.
• Proven leadership experience in mortgage or lending operations, with a track record of managing teams and meeting production targets.
• Comprehensive understanding of federal, state, and investor lending regulations and guidelines; NMLS registration or eligibility is preferred.
• Excellent communication, negotiation, and relationship-building skills, with the ability to work effectively across sales, operations, and compliance functions.
• Bachelor’s degree in Finance, Business, Economics, or a related field; advanced credentials or relevant industry certifications are a plus.