Mortgage Product & Operations Manager
About The Position
The Mortgage Product & Operations Manager is responsible for supporting the design, performance, compliance, and operational execution of the credit union's residential mortgage products. This role bridges product strategy and day-to-day mortgage operations, ensuring competitive offerings, regulatory compliance, operational efficiency, and strong member experience. The position works closely with underwriting, processing, secondary market, compliance, and vendor partners to optimize product performance and streamline workflows. The manager is expected to put members and fellow employees first every day, exemplifying Sun East's Mission and Values in all actions.
Requirements
- 3–7 years of mortgage lending experience
- Strong analytical, problem-solving, communication, and computer skills
- Ability to pass credit, criminal, employment, and education background checks
- Ability to pass a post-offer, pre-employment drug test
Nice To Haves
- Bachelor's degree in Finance, Business Administration, or related field
- Experience in product development, underwriting, or processing
- Credit union experience
Responsibilities
- Oversee development, performance, and lifecycle management of first mortgage products, including pricing, competitiveness, and portfolio performance.
- Analyze key metrics (pull-through, fallout, margin, prepayment, delinquency) and recommend product and pricing enhancements aligned with market trends and member needs.
- Serve as subject matter expert for mortgage products and manage partnerships such as MY CU HOME and First Heritage Financial.
- Maintain product guidelines, matrices, procedures, and internal reference materials; ensure alignment with regulatory requirements (TRID, RESPA, TILA, HMDA).
- Partner with Operations, Underwriting, Compliance, and vendors to ensure clear guidelines, efficient workflows, and successful implementation of new products, system updates, and regulatory changes.
- Identify process inefficiencies and lead workflow improvements to enhance operational effectiveness and turnaround times.
- Support end-to-end mortgage operations, including member inquiries, documentation collection, funding processes, quality control, and post-closing audits.
- Assist with audits, regulatory reporting, and compliance reviews; ensure adherence to federal regulations and internal policies.
- Coordinate training, marketing initiatives, and internal communications to support mortgage production and staff involvement.
- Contribute to strategic planning, budgeting, vendor management, and mortgage review processes to support organizational goals.
- Prepare reports for management and regulators; resolve escalated member and staff issues as needed.
- Performs other related duties as assigned.
- Complete required training and pursue ongoing professional development, including cross-functional learning opportunities.
- Maintain compliance with all federal and state regulations, including Bank Secrecy Act (BSA) requirements appropriate to role responsibilities.
- Participate in community involvement and outreach initiatives.
Benefits
- medical
- dental
- vision
- a flexible spending account (FSA)
- a 401(k) plan with company match
- life insurance
- an interest rate reduction on loans
- employee discounts on things such as movie tickets, theme park tickets and discounted tickets to local events
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
1-10 employees
