Mortgage Operations Onshore Delivery Manager

eClerx•Jacksonville, FL

2d•$80,000 - $100,000•Onsite

About The Position

The Mortgage Operations Onshore Delivery Manager will be responsible for overseeing a team of Loan Coordinators, ensuring the accurate, efficient, and compliant processing of mortgage loans from initial file intake through submission to Underwriting. This role combines active pipeline management with daily quality control, mentoring, and process optimization. The Team Lead acts as the primary point of escalation for complex files and ensures that all team activities strictly align with bank compliance guidelines and regulatory frameworks.

Requirements

8+ years of end-to-end mortgage loan processing and underwriting support experience within a retail or commercial banking environment.
1–2 years of experience in a team lead, senior processor, or supervisory capacity preferred.
Deep understanding of conventional and government loan guidelines, calculation of complex self-employed income, and strict file validation practices.
High proficiency with Loan Origination Systems (LOS) and automated underwriting systems (e.g., Desktop Underwriter/Loan Product Advisor).

Responsibilities

Monitor the daily pipeline of the team to ensure file are dispositioned timely and eliminate processing bottlenecks, and guarantee that loans move seamlessly to Underwriting to meet closing deadlines.
Conduct spot-checks on team files to ensure comprehensive Form 1003 reviews and accurate verification of borrower income, asset, and credit documentation.
Act as the subject matter expert to help team members resolve complex processing issues, detailed income calculations, or trickier validation anomalies.
Maintain a deep, up-to-date working knowledge of Fannie Mae, Freddie Mac agency guidelines. Ensure the team applies these specific investor requirements accurately during the validation of income, assets, and property eligibility.
Monitor the daily pipeline of the team to ensure equitable file distribution, eliminate processing bottlenecks, and guarantee that loans move seamlessly to Underwriting to meet closing deadlines.
Conduct spot-checks on team files to ensure comprehensive Form 1003 reviews and accurate verification of borrower income, asset, and credit documentation against agency criteria.
Act as the subject matter expert to help team members resolve complex processing issues, detailed income calculations (including self-employed corporate tax returns), or trickier validation anomalies flagged by Automated Underwriting Systems (AUS).
Oversee the team’s follow-up processes for critical third-party components, ensuring timely receipt and strict agency compliance for Appraisals, Title, Homeowners Insurance, and Verifications of Employment (VOE).
Assist the team in navigating complex conditional approvals. Ensure that files are structurally complete, all milestone checklists are fully executed, and standard conditions are cleared prior to final Underwriting submission.
Track and drive key operational metrics, including loan turn-times, file quality/Rework rates, and customer service satisfaction scores.
Ensure 100% of team activities adhere strictly to Client compliance policies, internal procedures, and operational risk guidelines.
Maintain absolute compliance with the SAFE Act, RESPA, TILA, and other federal mortgage lending regulations, ensuring all team members keep proper licensing and procedural hygiene.