Vice President - Mortgage Production

CAPITAL CENTER LLC•Glen Allen, VA

36d

About The Position

CapCenter exists to help clients achieve all their homeownership goals. By bringing mortgage, realty, and insurance services together in one place, we deliver first-in-class service and one-of-a-kind financial benefits—most notably our Zero Closing Cost mortgage. Founded in Richmond, Virginia in 1997, our mission is to protect clients through life’s most important financial decisions and make the homeownership experience simpler, faster, and more affordable by eliminating unnecessary fees, reducing friction, and aligning every service around the client’s best outcomes. Our growth has been fueled by thousands of satisfied, repeat clients and a strong reputation built on trust, transparency, and word-of-mouth referrals. Position Overview: The Vice President of Mortgage Production has end-to-end ownership of CapCenter's direct-to-consumer lending operation, leading all functions from initial customer engagement through loan closing. This role oversees loan consultants, processing, underwriting, and closing consultants—ensuring seamless coordination across teams to deliver exceptional borrower experiences, industry-leading cycle times, and consistent volume growth.

Requirements

Bachelor’s degree in Finance, Business, Economics, Mathematics or a related field from an accredited college or university preferred.
10+ years of Financial Services experience
12+ years in mortgage lending with progressive leadership across multiple functions
Direct management experience in at least two of: sales/origination, processing, underwriting, or closing
Proven success in a direct-to-consumer, centralized, or call center lending environment
Deep knowledge of conventional and government loan programs and AUS systems (DU, LPA, FHA TOTAL, VA)
Strong understanding of investor guidelines and secondary market requirements
Experience with Encompass or similar LOS platforms
Data-driven, metrics-focused leadership style
Active NMLS license

Nice To Haves

Experience leading full production operations (sales through closing) in a single role
Background in process improvement, lean operations, or Six Sigma methodologies
Familiarity with AI/automation applications in mortgage lending
Track record of significant cycle time reduction or pull-through improvement

Responsibilities

End-to-End Production Ownership
Own all production KPIs: funded volume, pull-through rates, cycle time, cost per loan, and customer satisfaction
Ensure smooth handoffs and coordination between loan consultants, processors, underwriters, and closing consultants
Identify and eliminate bottlenecks across the entire loan lifecycle
Balance capacity across functions to match pipeline demand and prevent backlogs
Loan Consultant Leadership
Oversee the team responsible for converting inbound leads into qualified applications
Develop consultative sales processes aligned with CapCenter's direct-to-consumer model
Establish conversion benchmarks, call quality standards, and performance accountability
Drive coaching and development programs that improve close rates and customer experience
Processing and Closing Management
Oversee closing consultants responsible for final borrower communication and document coordination
Lead processing and underwriting teams to meet quality and turn-time standards
Ensure consistent application of investor guidelines and agency requirements
Monitor condition quality, revision rates, and first-submission approval rates
Partner with leadership on underwriting policy decisions and guideline interpretation
Operational Excellence & Technology
Champion process improvements, automation, and technology adoption across all production
Partner with IT and vendors on Encompass optimization and workflow enhancements
Leverage data and reporting to identify trends, diagnose issues, and drive continuous improvement
Support AI and automation initiatives that increase efficiency without sacrificing quality
Marketing & Capacity Planning
Collaborate with marketing on lead flow forecasting and alignment with production capacity
Provide feedback on lead quality and channel performance to optimize acquisition spend
Develop staffing models and capacity plans based on volume projections and seasonal trends
Strategic Leadership
Develop and manage production budgets across all functions
Report to executive leadership on production performance, trends, and strategic opportunities
Represent production in cross-functional decisions affecting the borrower journey
Evaluate new products, process changes, or technology investments from a production feasibility perspective
Compliance & Quality Control
Ensure all production activities meet federal and state regulatory requirements
Partner with compliance and QC on audit findings, loan file quality, and fair lending
Maintain appropriate controls around disclosures, documentation standards, and investor guidelines