Senior Mortgage Product Development Specialist

Sunflower Bank, N.A.•Plano, TX

3d•Hybrid

About The Position

At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank, N.A. at sunflowerbank.com. Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Senior Mortgage Product Development Specialist at our Plano, TX location. Hybrid and fully remote options available. The Senior Mortgage Product Development Specialist (PDS) plays a critical role in shaping, launching, and sustaining a competitive, compliant, and investor-eligible mortgage product suite for Sunflower Bank, N.A. This role is responsible for the full product lifecycle—from ideation and launch through performance monitoring, adoption, and retirement—while ensuring all products meet investor, Agency, and regulatory requirements. This position serves as a key connector across Secondary Marketing, Mortgage Origination leadership, Operations, and Compliance, ensuring alignment between market opportunity, origination strategy, and execution capabilities. In addition, the PDS owns the end-to-end process for investor and Agency approvals, including ongoing recertifications, ensuring uninterrupted eligibility, strong investor relationships, and minimized repurchase risk.

Requirements

Minimum of 5–7 years of mortgage banking experience, with strong exposure to: Secondary Marketing, Investor relations, Product development and/or capital markets
Demonstrated experience working across cross-functional teams and influencing senior stakeholders, including Mortgage Origination leadership
Direct hands-on experience completing and submitting investor and/or Agency recertifications is required.
Proven ability to independently prepare complete recertification packages, interpret investor eligibility and recertification requirements, resole deficiencies and respond to investor recertification conditions.
Experience ensuring continuous investor approval status without interruption
Strong knowledge of mortgage guidelines, underwriting practices, and loan salability
Excellent analytical, organizational, and problem-solving skills
Strong communication and presentation skills, with the ability to influence stakeholders at all levels
High attention to detail with the ability to manage multiple concurrent initiatives
Proficiency in Microsoft Office Suite
Professional and leadership qualities
Ability to maintain confidentiality
Strong customer service experience

Nice To Haves

4-year college degree or university with major course work in a discipline related to the requirements of the position, preferred but not required.

Responsibilities

Partner with Secondary Marketing, Mortgage Origination leadership, and cross-functional stakeholders to identify, prioritize, and develop new mortgage products and enhancements
Actively engage with Mortgage Origination leadership to align on: New product priorities and go-to-market strategies, Product adoption trends and production performance, Opportunities to optimize or reposition existing offerings, Product retirement or termination decisions based on volume, profitability, or risk
Lead the end-to-end product lifecycle, including concept development, business case creation, launch execution, performance monitoring, and decommissioning when appropriate
Define product parameters, eligibility criteria, pricing considerations, and operational requirements to ensure scalability and compliance
Serve as the subject matter expert (SME) for all mortgage products post-launch
Serve as a key point of contact for Agencies and investors, managing communications, escalations, and issue resolution
Maintain a deep working knowledge of FNMA, FHLMC, FHA, VA, USDA, and private investor guidelines, overlays, and delivery requirements
Evaluate and onboard new investors and products to enhance competitiveness and execution flexibility
Maintain and manage all investor agreements and counterparty relationships
Own the end-to-end preparation, completion, and submission of all investor and Agency recertifications, ensuring accuracy, completeness, and timeliness
Maintain expert-level knowledge of recertification requirements across Agencies and investors, including documentation, financial reporting, QC results, and operational attestations
Coordinate cross-functional inputs (Operations, QC, Compliance, Finance, Capital Markets) to ensure fully compliant and accurate submissions
Proactively track all recertification deadlines and requirements to ensure no lapse in investor approvals or delivery eligibility
Respond to investor conditions, follow-ups, and audit inquiries related to recertification packages
Identify and mitigate risks that could impact investor standing, eligibility, or counterpart approval status
Collaborate with Mortgage Operations management and resolution of Agency and investor repurchase requests, including: Root cause analysis, Documentation review and validation, Rebuttal preparation and submission
Partner with Operations, QC, and Underwriting to identify trends and reduce defect rates
Provide feedback into product design and eligibility to proactively mitigate repurchase and salability risk
Investor scorecard review monthly to identify trends to be shared with department heads.
Lead product launches with clear timelines, milestones, and cross-functional coordination
Monitor product performance, volume trends, and adoption, providing actionable insights to leadership
Identify and implement improvements to increase speed-to-market, operational efficiency, and product competitiveness
Ensure all activities comply with regulatory requirements, internal policies, and investor guidelines
Support internal governance, including product approvals, committee presentations, and documentation
Owns the end-to-end preparation, completion, and submission of all investor and Agency recertifications, ensuring accuracy, completeness, and adherence to all requirements and deadlines
Maintains detailed knowledge of FNMA, FHLMC, FHA, VA, USDA, and private investor recertification requirements, including documentation, financials, QC results, and operational attestations
Coordinates cross-functional inputs (Operations, QC, Compliance, Finance) to compile and validate recertification submissions
Proactively tracks recertification timelines and ensures zero lapse in investor approvals or eligibility
Responds to investor follow-ups, conditions, and audit inquiries related to recertifications
Identifies and addresses gaps or risks that could impact approval status or ongoing investor