VP of Mortgage Lending

Gulf Winds Credit Union • Pensacola, FL

1d • $120,000 - $150,000 • Onsite

About The Position

Gulf Winds is a forward-thinking and team-oriented credit union that values service beyond banking. They recognize and reward excellent member service, and emphasize having fun while working hard and impacting the community. Their core values are Integrity, Care, Growth, and Innovation. Working at Gulf Winds is presented as a career opportunity for collaborative, motivated individuals who want to love what they do. The company fosters open communication, provides consistent coaching and professional development, and encourages participation in cross-functional projects. The vision is to become the leading and most trusted credit union on the Gulf Coast.

Requirements

• Five to ten years of Mortgage Lending Experience.
• Must include secondary market operations, pricing governance, P&L ownership, and product development.
• Demonstrated track record of leading high-performance teams and delivering measurable financial results.
• High degree of trust, diplomacy, and communication skill required.
• Must effectively lead teams, influence stakeholders, and maintain strong relationships with investors, real estate partners, vendors, and regulators.
• Consistent in-office presence required.
• Expert knowledge of investor guidelines (FNMA, FHLMC, FHA, VA), mortgage technology platforms (LOS, POS, PPE), Fair Lending, CRA, RESPA, TRID, and NMLS requirements.
• Strong financial management, communication, and supervisory skills.
• Standard M'F schedule; occasional travel required.

Nice To Haves

• This role requires sitting at a computer for most of the day.
• This role would also require the ability to file files, open filing cabinets, and bend or stand as necessary.

Responsibilities

• Oversees all aspects of the mortgage lending process - loan origination, underwriting, processing, closing, and servicing. Coaches and evaluates team members to build a high-performing department aligned with the credit union’s values and strategic goals.
• Ensures underwriting quality, documentation, and adherence to secondary market guidelines. Maintains investor compliance (FNMA, FHLMC, FHA, VA, PMI) and oversees loss mitigation and problem loan resolution. Owns rate lock policy, pipeline management, fallout risk, pricing margin analysis, pricing exception authority, and MSR strategy (retain vs. release). Manages investor and correspondent/broker channel relationships.
• Recruits, coaches, and manages the mortgage team. Oversees MLO sales territories, NMLS licensing compliance, and continuing education. Maintains a succession plan for key roles and builds an ongoing talent pipeline.
• Accountable for the mortgage department P&L. Develops and manages the annual budget, monitors cost-per-loan and revenue-per-MLO metrics, drives fee income strategy, and delivers regular financial performance reporting to senior leadership.
• Leads the mortgage product lifecycle from concept to launch - including market analysis, product committee leadership, go-to-market strategy, and pricing models for new offerings (HE Loans, construction-to-perm, VA loans, and all portfolio products).
• Ensures compliance with Fair Lending, CRA, RESPA, TRID, and all applicable regulations. Proactively aligns product offerings with underserved community needs as part of the credit union’s CRA strategy.
• Builds and maintains relationships with members, real estate professionals, and referral sources to generate loan volume and strengthen the credit union’s mortgage brand.
• Evaluates and implements mortgage technology solutions including LOS enhancements, POS platforms, and AI-assisted underwriting to enhance operational efficiencies and member experience.
• Performs other job related duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Education Level: Associate degree