AVP, Mortgage Systems & Support

VyStar Credit Union•Jacksonville, FL

1d•Hybrid

About The Position

This position primarily oversees the mortgage product development and delivery functions within the Real Estate Lending department, which includes providing direction, project management, leadership, and goal setting for the mortgage loan product development, product delivery and mortgage system administration teams as well as back up for Secondary Markets. The incumbent must be member and staff experience focused, managing projects and first level IT system administration team for assigned businesses with minimal supervision. Meet all schedule, cost, quality, and confidentiality requirements. Develop and manage a staff of Project Planners, Product developers and System Administrators. Will further hire, develop, coach, and evaluate staff to ensure the team provides excellent service while adhering to the Credit Union’s established policies, procedures, and processes as well as all relevant laws and regulations. Must be familiar with standard mortgage products, including, but not limited to, Conforming and Jumbo fixed and ARM mortgages, VA, FHA, and USDA loans, Home Equity and HELOC loans, Construction loans, and Non-Owner Occupied and Condo lending as well as QM and non-QM product array. Must be knowledgeable about, and keep abreast of, all relevant mortgage laws and regulations and must be familiar with Secondary Market requirements, including processing, quality control, and proper documentation and procedures for mortgage lending.

Requirements

High School Diploma or GED is required.
8-10 years of residential mortgage lending industry experience.
3+ years of project management experience.
3 -5 years of supervisory experience.
3+ years of data analytics experience
Direct experience with mortgage processes and products.
Very strong analytical, comprehension and problem-solving skills
Strong verbal and written communication skills.
Demonstrates an understanding of the mergers and acquisition process.
Avid and positive team player who works well across a multi-disciplined organization and possesses strong personal integrity.
Ability to work independently and is a self-starter.
Ability to prioritize tasks, work on multiple assignments and manage rapidly changing assignments in a team environment.
Exhibits flexibility and willingness to take on new responsibilities and assignments.
Strong ability to organize, handle frequent interruptions in work, facilitate events, and work a flexible schedule as required.
Demonstrates advanced proficiency in Microsoft Office Suite applications (i.e., Word, Power Point, Excel, and Visio).
Strong presentation skills and ability to create content in a highly professional aesthetic.
Ability to handle multiple priorities with high precision.

Nice To Haves

Bachelor's degree in a business-related field preferred.
Continuing education via local conferences and workshops is required for updates on federal regulations and secondary market requirements.
Development and training experience is preferred.

Responsibilities

Coordinate with Real Estate Lending Department Leadership to ensure serviceability of products and/or product features within the mortgage loan origination & servicing ecosystems
Coordinate with VyStar Title Leadership to ensure technology needs are properly supported
Manage product development and delivery by estimating the scale and non-scale of product enhancements, products under the direction of senior department leadership, and working closely with business managers on function and design.
Collaborate with Real Estate Lending Departments including Sales, Underwriting, Servicing and Operational leadership as well as other key stakeholders as needed to identify and prioritize system/process changes.
Coordinate with Compliance Department to ensure products comply with all applicable regulations.
Responsible for the monitoring and management of all direct report’s activities, including in a remote/hybrid work environment.
Responsible for the monitoring and management of all product testing activities and subsequent implementation including in a remote work environment.
Provide the staff with the appropriate level of guidance, coaching and training as needed while meeting quality objectives including in a remote work environment.
Effectively lead teams, managing communication, delegation, motivation and problem-solving. Teams include stakeholders and all levels in the organization.
Conducts individual 1:1 and team meetings with staff to discuss initiatives, progress, goals, etc.
Responsible for knowing department goals as well as Credit Union goals and pro-actively works toward attainment of those goals.
Collaborates with other leaders ensuring all project management activities within Real Estate Lending, drive strategic initiatives to achieve business objectives.
Participates in the change process to support mortgage department general projects as determined by the VP, Mortgage Strategy & Transformation.
Collaborate with senior leadership to define project requirements and objectives.
Drive continuous improvement initiatives to streamline project management processes and deliverables.
Communicate project status, risks, and issues to stakeholders, ensuring transparency and accountability.
Assists the VP, Mortgage Strategy & Transformation with the delivery of strategic vision for the mortgage department, representing the VyStar pillars.
Use innovative techniques to solve problems, handle multiple priorities, initiate change with innovative goals, identify areas of improvement, meet with stakeholders, and supervise innovation strategies.
Gather and review mortgage specific M&A information on identified prospective financial institution acquisitions to include, but not limited to, products, rates, pipeline, and any third-party contracts.
The incumbent will assist the M&A process on the integration of mortgage activities from acquired financial institutions into VyStar.
Responsible for collaborating with cross functional teams, and any identified third parties to document ongoing mortgage lending efforts needed on acquired institutions to prepare for Legal Day 1, through conversion and post conversion.
Act as the communications liaison, provide guidance, training, and resources needed to achieve successful project delivery.
Facilitates problem solving and project resourcing and enforces project standards.
Exercise the ability to support confidential projects, initiatives, products, programs, and strategy.
Aid in the oversight of the change process to support the Real Estate Lending department general projects as determined by the VP, Mortgage Strategy & Transformation
Identify opportunities to improve work processes, enhance quality of service and productivity, and communicate opportunities to VP, Mortgage Strategy & Transformation.
Execute change management initiatives across the department: planning, implementing, and solidifying changes in the mortgage department.
Support a mortgage and credit union culture focused on member service, continuous improvement, and performance measurement.
Interact with all levels of leadership and document existing processes, manage and analyze data, and recommend enhanced business processes.
Create and foster an environment in which continuous improvement in mortgage business processes and services is welcomed and recognized.
Work with personnel and conduct site observations to ascertain the solutions, methods, and personnel needed for effective processes. This also involves staying up to date with the latest business best practices and technological developments that can help to automate and streamline processes to help businesses perform more efficiently.
Support the development and implementation of procedures necessary to support mortgage processes.
Assist with the Real Estate Lending SharePoint site and document storage of department procedures, job aids, product guides, workflows, communications, etc.
Assist in developing and oversight of actionable metrics to measure success of process improvement initiatives and effectively communicate the progress and results to Real Estate Lending leadership.
Assist with the collection, analysis, and interpretation of data to inform strategic decisions, drive innovation, and create department and member value.
Drive continuous improvement efforts by establishing metrics to measure and monitor progress.
All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.
Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus - Focus your full attention by carefully listening to and observing client or member. Connect - Consistently be friendly and approachable. Demonstrate your care. Understand - Listen empathetically and ask questions (70%/30% rule). Counsel - Recommend solutions based on your member’s needs and objectives. Advance - Ensure that member’s expectations were exceeded. Verify necessary follow-up actions.