Mortgage Operations & Secondary Market Officer

On Tap Credit Union•Golden, CO

8h•$80,000 - $95,000•Hybrid

About The Position

At On Tap Credit Union, we’re building something bigger—and mortgage is a key driver of that growth. We’re looking for a strategic, analytical, and forward-thinking leader to own our mortgage line of business from pricing strategy to secondary market execution. As our Mortgage Operations & Secondary Market Officer, you’ll lead the development and execution of mortgage strategy, optimize pricing models, and drive capital markets performance—all while enhancing the member experience and supporting our long-term growth goals.

Requirements

Strategic thinker with strong financial and business acumen
Deep expertise in mortgage pricing, capital markets, and secondary market execution
Advanced analytical and modeling skills
Strong communicator with experience presenting to executive leadership
Ability to influence and collaborate across all levels of the organization
Results-driven leader focused on growth, profitability, and member experience
Bachelor’s degree in Finance, Business, Economics, or related field
8–12+ years of progressive experience in mortgage banking, capital markets, or pricing strategy
Proven experience in mortgage pricing, financial modeling, and secondary market execution
Strong understanding of interest rate risk, gain-on-sale, and pipeline management
Experience presenting to executive leadership and/or Board of Directors

Nice To Haves

MBA preferred

Responsibilities

Lead Mortgage Strategy
Develop and execute the mortgage line of business strategy aligned with our growth goals
Serve as a trusted advisor to executive leadership on market trends, pricing, and competitive positioning
Present insights on mortgage performance, pricing, and portfolio strategy
Own Pricing Strategy & Governance
Design and refine mortgage pricing models to balance growth, margin, and risk
Monitor market conditions, competitor pricing, and rate movement
Establish pricing governance, including exception tracking and performance monitoring
Partner with Finance/ALM to align pricing with cost of funds and balance sheet strategy
Drive Secondary Market & Capital Markets Execution
Oversee loan sales, investor relationships, and delivery execution
Optimize gain-on-sale and manage interest rate and pipeline risk
Evaluate investor performance and adjust execution strategies accordingly
Lead Product Development & Innovation
Develop and manage mortgage products across portfolio and secondary market channels
Identify opportunities for new offerings or enhancements to drive growth
Ensure products remain competitive, compliant, and aligned with member needs
Deliver Data-Driven Performance
Analyze production, margins, pull-through, and profitability
Build dashboards and KPIs to track performance
Provide actionable insights to improve volume, efficiency, and earnings
Collaborate Across the Organization
Partner with Lending, Retail, eBranch, and Marketing to drive production
Work closely with Risk and Compliance to ensure regulatory adherence
Collaborate with Operations to improve scalability and efficiency

Benefits

Comprehensive benefits package including medical, dental, vision, retirement, and paid time off – to name a few.
Bonus: Eligible for performance-based incentive tied to scorecard metrics

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