AVP/Mortgage Lending

Pen Air Federal Credit Union



Dana Mullins
(850) 505-3200


Job Description:

Essential Functions & Responsibilities:
Consistently maintains a professional, respectful, and courteous approach when interacting with member/owners, outside realtors, title companies, appraisers and internal contacts to maintain quality service.

Designs and implements procedures and maintains mortgage loan operating systems in order to achieve corporate goals, as well as to enhance overall departmental effectiveness. Continuously analyzes these systems (e.g. Symitar, MortgageBot, LP and DU) to ensure most efficient methods are being utilized.

Develops new or enhances existing reports to support the analysis or identification of significant lending trends, charge-off, credit quality and other loss trends. Reports regularly on concentration risk, delinquency, charge-off percentages, and net weighted yield.

Reviews loans for credit quality and compliance with regulations, laws, and internal policies.

Manages relationships with title companies, appraisers and other third party vendors, which includes but is not limited to obtaining current information at least annually, reviewing performance at least annually, pro-actively developing or redefining existing relationships as needed.

Contributes to the management team by using strategic thinking to develop long range initiatives

Develops staff by using coaching techniques to maintain quality member/owner service. Recommends training and education where appropriate to further develop skills or career paths. Provides feedback to enhance or in some cases correct the skill sets of staff.

Coaches staff and provides a superior member experience by actively listening and assessing the needs of the member and offering targeted solutions to these needs. Actively educates and provides product guidance to members, employee, realtors and other outside vendors.

Proactively develops and implements lending strategies to reduce and manage risk and insure quality underwriting.

Successfully handles multiple projects and tasks simultaneously

Manages day to day activities of department by providing overall direction and supervision to mortgage lending personnel, maintaining the up-dates in the application processing system, and ensuring that loans are booked correctly and sold in a timely manner.

Performs other job related duties as assigned.

Education/Experience Required:

Eight to ten years similar or related experience.

Equivalent to a college degree (BS or BA in a relevant field).

Additional Comments:

Please visit our website www.penair.org to apply for this position in our Career Opportunities section.

Located in Pensacola, FL

Reports to VP of Lending