Vice President - Mortgage Production

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.

Key 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

Qualifications:

Required

• 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

Preferred

• 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

We offer a competitive compensation package to include base salary, medical, dental and life insurance benefits, 401K, and paid vacation. We do not discriminate against applicants/employees on any protected basis and are an Equal Opportunity Employer: Veteran/Disability.