Mortgage Team Lead Full Time NEW

Key Responsibilities

1. Strategic Leadership & Operations Management

• Lead a team of mortgage processors, credit analysts, and servicing specialists to achieve operational targets.
• Oversee end‑to‑end workflows including intake, verifications, underwriting support, funding, and servicing activities.
• Establish performance standards, monitor KPIs, and drive continuous process improvement.
• Ensure operational readiness for audits, risk reviews, and compliance checks.
• Coach, train, and mentor team members to enhance competency and productivity.
• Coordinate closely with Credit, Risk, Sales, Legal, and Compliance teams to ensure seamless loan progression.

2. Client, Partner & Stakeholder Management

• Maintain strong working relationships with internal and external stakeholders involved in the mortgage value chain.
• Resolve loan‑level escalations, complex cases, and high‑priority issues with a customer‑centric approach.
• Support pre‑qualification and product suitability discussions with customer‑facing teams.
• Represent Operations in governance meetings, audits, and process improvement discussions.

3. Quality Management & Process Excellence

• Establish and implement quality control (QC) and quality assurance (QA) standards across all mortgage processes.
• Conduct periodic sample reviews on income assessment, documentation, verification quality, and servicing accuracy.
• Monitor error trends, identify root causes, and drive process corrections to minimize defects.
• Lead continuous improvement initiatives based on quality insights, audit outcomes, and customer feedback.

Domain & Technical Expertise

A. Banking Regulations & Compliance

• Working knowledge of retail lending regulatory frameworks including:
• KYC/AML requirements, identity verification standards, and anti‑fraud controls
• Borrower data protection, privacy standards, and consumer fairness obligations
• Mortgage disclosure requirements, lending governance guidelines, and documentation norms
• Ability to interpret regulatory rules and incorporate them into day‑to‑day operations smoothly.

B. Credit Review & Risk Assessment

• Ability to support credit decisioning through:
• Income verification and affordability assessment
• Financial analysis including debt ratios and collateral assessment
• Credit bureau interpretation and risk indicators
• Early warning triggers for potential delinquency
• Policy deviation handling and exception justification
• Strong collaboration with Underwriters and Risk teams to maintain loan quality and mitigate risks.

C. Loan Servicing & Lifecycle Management

• Understanding of servicing operations including:
• Repayment schedule generation, escrow/tax/insurance processing
• Customer payment handling, delinquency monitoring & collections coordination
• ARM adjustments, rate resets, and loan modifications
• Amortization schedule updates, payoff processing, and lien release
• Experience ensuring accurate and compliant servicing across borrower communications and system updates.

Qualifications & Requirements

• Bachelor’s degree in Finance, Business, Commerce, or a related field;
• 7–10 years of experience in mortgage banking operations, with 2–4 years in a supervisory or leadership role.
• Strong expertise in mortgage processes, regulatory compliance, credit review, and loan servicing.
• Ability to thrive in a fast‑paced, high‑compliance, customer‑centric environment.