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Title

Mortgage Director  

Description

Individuals in the job are responsible for assisting Tropical Financial Credit Union in achieving its purpose of guiding members successfully through the financial marketplace. The Mortgage Director is responsible for managing the day-to-day operation of the Mortgage department. The processes include the processing, underwriting, closing, disbursing, and servicing of First Mortgage Loans, overseeing the growth of first mortgage production by developing programs, action plans, and initiatives to promote the first mortgage programs and TFCU to members and the community.

The additional responsibilities ensure that all First Mortgage Loans comply with all Financial Federal and State regulations (RESPA, HMDA, Financial Fair Housing Act, Flood Insurance, Fair Credit Reporting, Truth In Lending Disclosure, Right of Rescission, etc.). The individual in this role requires complete knowledge of real estate transactions, mortgage processing, underwriting to FNMA and FHLMC standards, and secondary market operations. The individual in this role will also assist Credit Union members with mortgage loan products and proactively solicits mortgage business from realtors, key Select Employer Groups (SEGs), Partner Companies (PCs), and members.

This individual directs the work of all Mortgage Loan Operations team and Originators and assists in establishing and monitoring goals, implementing policies and procedures, training, and assisting them with developing business opportunities.

In addition, this position, in conjunction with the EVP/Chief Operations Officer, is responsible for product development, enhancements, promotions, and training of branch personnel in the specialty area.

We offer Excellent Benefits such as:

  • Medical, Rx, Dental, and Vision Insurance
  • Retirement Profit Sharing 401K Plan
  • Accident, Cancer and Hospital Indemnity Plan
  • Prepaid Legal
  • Voluntary Life Insurance
  • Pet Discount Program
  • Paid Time Off/ 11 Paid Holidays
  • Tuition Reimbursement/Student Loan Paydown Program
  • And so much more!
 
Position Requirements

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Knowledgeable about the profitable operation of a Mortgage company.
  • Strong underwriting experience.
  • Hands-on experience with processing, shipping, and disbursing First Mortgage loans.
  • Automated processing system knowledge required.
  • An individual in this position is required to interact regularly with all credit union employees and external vendors; therefore, outstanding interpersonal skills are necessary.
  • Ability to meet deadlines in an organized and timely fashion.
  • Initiative and flexibility.
  • Willingness to promote and stay up-to-date on organizational policies, procedures, and federal and state legislation affecting the first mortgage industry.
  • Demonstrated ability to direct and coordinate the activities of others and to implement control and follow-up procedures.
  • Must have excellent interpersonal, motivational, analytical, and oral and written communication skills.
  • Capable of compiling, analyzing, preparing, and presenting reports with financial/statistical data.
  • Must be proficient in the use of standard business applications in a Windows-based environment (i.e., MS Word, Excel, PowerPoint, and Outlook).
  • Ability to lead a staff of 15 or more employees.
  • Effective planning, analytical, and decision-making abilities
  • Excellent analytical and organizational skills.
  • Working knowledge of personal computers with related business software packages.
  • Must be proficient in the use of standard business applications in a Windows-based environment (i.e., MS Word, Excel, PowerPoint, and Outlook).
  • Effective planning, analytical, and decision-making abilities
  • Excellent analytical and organizational skills.
  • Working knowledge of personal computers with related business software packages.

Education, Experience, and Skills

  • 7-10 years FNMA/FHLMC, FHA, and VA lending experience
  • BA or BS from accredited, four-Year University preferred.
  • 7-10 years proven knowledge and experience in underwriting; processing; closing, secondary market, and selling, brokering, shipping, and disbursing First Mortgage loans.
  • Sound understanding of risk management concepts, including underwriting, loan audit, and fraud avoidance.
  • Must have experience leading and training loan operations (underwriters, processors, and closers), and originators.
  • Must have experience in public speaking before large groups.
  • Must be knowledgeable of regulatory compliance requirements applicable to first mortgage lending.
  • Must know title insurance, settlement, and appraisal requirements.
  • Must be able to adapt to market, regulatory, agency, and investor requirement changes.
  • Strong leadership skills, with a proven track record of success in a leadership position
  • Must possess excellent written and verbal and interpersonal communications skills to effectively work with members and coworkers
  • Must have a proactive approach to workload, ability to handle multiple tasks and priorities. Must possess initiative

 

 
Full-Time/Part-Time Full-Time  
Exempt/Non-Exempt Exempt  
Location Miramar - Headquarters  
About the Organization Tropical is a not-for-profit, member-owned and member operated financial cooperative, serving South Florida since 1935. We operate a fun, and family-oriented work environment where every employee has the opportunity to learn and grow in their career and move up within the organization. It's an organization that values your contributions and rewards you for your performance. TFCU has proven to be an organization that is dedicated not only to TFCU's success, but the success of its employees and the financial success of our members.  
EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.  

This position is currently not accepting applications.

To search for an open position, please go to http://TropicalFinancialCreditUnion.appone.com



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