SVP Mortgage Lending

Mortgage Operations Manager

Job Title:  Mortgage Operations Manager

Salary:$100 - $150K /yr

Location: Memphis, TN

Were a member-focused financial institution built on trust, stability, and service. For decades, we have helped individuals and businesses reach their financial goals through comprehensive banking solutions, modern digital tools, and a personal, relationship-driven approach. Our success is rooted in a strong people-first culture, a commitment to doing the right thing, and a focus on long-term growth for both our members and our employees.

Position Overview
Lead and optimize end-to-end mortgage operations, ensuring timely, compliant loan origination, closing, delivery and servicing across retail, wholesale and correspondent channels. The Mortgage Operations Manager will partner with secondary marketing, capital markets and risk teams to manage pipeline hedging, investor delivery and profitability, while building scalable processes, ensuring regulatory compliance and delivering best-in-class operational performance.

Key Responsibilities

• Oversee daily mortgage operations including loan origination, underwriting support, closing & funding, investor delivery, and loan servicing activities across retail, wholesale and correspondent channels.
• Manage secondary marketing and capital markets coordination: pipeline hedging, interest rate risk management, loan pricing, whole loan sales and MBS executions.
• Ensure accurate investor delivery, reporting and reconciliation for agency and non-agency investors (Freddie Mac, Fannie Mae, Ginnie Mae, jumbo investors and others).
• Drive compliance with federal and state mortgage regulations (TILA/RESPA/TRID, HMDA, ECOA, SAFE Act, CFPB requirements), maintain NMLS/state licensing oversight and support regulatory exams.
• Implement and maintain quality control, audit programs and loss mitigation/foreclosure workflows to minimize operational and credit risk.
• Partner with underwriting to optimize automated underwriting (DU, AUS) and credit analysis processes, including construction lending and non-standard product overlays.
• Own LOS integrations and vendor relationships (Calyx, Ellie Mae/Encompass, Loansphere and other third-party providers), including vendor selection, SLAs and performance management.
• Lead digital mortgage initiatives (eClosing, eSign, DocuSign), CRM integrations (Salesforce) and initiatives that improve borrower experience and throughput.
• Develop and maintain financial models, P&L management, budgeting and forecasting for operations and pipeline management.
• Use data and business intelligence tools (Power BI, Tableau) to create operational dashboards, regulatory reporting and drive continuous improvement.
• Create and execute process improvement and risk mitigation programs (Lean Six Sigma principles) to increase efficiency and reduce cycle times and defects.
• Manage, coach and develop cross-functional teams, set KPIs, and ensure staffing and training align to business objectives.
• Coordinate anti-money laundering (AML), fraud prevention and data governance activities with compliance and legal teams.
• Serve as primary liaison to investor & counterparty relations and support securitization, whole loan sales and investor negotiations.

Qualifications

• Bachelors degree in finance, business, or related field; advanced degree or relevant certification (e.g., MBA, CAMS) preferred.
• Minimum 5 years of progressive mortgage operations experience with demonstrated leadership in loan origination, servicing and secondary markets.
• Deep knowledge of mortgage products and programs including agency (Freddie Mac, Fannie Mae), Ginnie Mae, FHA/VA/USDA, jumbo loans, HELOCs and securitization.
• Hands-on experience with loan origination systems and vendor platforms (Encompass/Ellie Mae, Calyx, Loansphere) and CRM tools (Salesforce).
• Experience with automated underwriting systems (DU/AUS), FICO scoring, appraisal/AVM valuation processes and underwriting credit analysis.
• Proven experience in secondary marketing, pipeline hedging, interest rate risk management, loan pricing, whole loan sales and MBS execution.
• Strong regulatory and compliance background (TILA/RESPA/TRID, HMDA, ECOA, SAFE Act, CFPB) and demonstrated success supporting exams and audits.
• Skilled in financial modeling, ALM fundamentals, P&L management, budgeting and forecasting using Excel and BI tools (Power BI, Tableau).
• Experience with AML, fraud prevention, loss mitigation, foreclosure processes and vendor management.
• Track record of driving process improvement (Lean, Six Sigma) and implementing digital mortgage/eClosing initiatives.
• Excellent leadership, analytical, communication and stakeholder management skills; experience liaising with investors, counterparties and senior management.
• Active NMLS registration or ability to obtain and maintain required state licensing preferred.

Email Your Resume In Word To
Anthony.Cox@CyberCoders.com
Looking forward to receiving your resume through our website and going over the position with you. Clicking apply is the best way to apply.
Please do NOT change the email subject line in any way. You must keep the JobID: linkedin : AC7-1985617 -- in the email subject line for your application to be considered.
Anthony Cox - Lead Recruiter

For this position, you must be currently authorized to work in the United States without the need for sponsorship for a non-immigrant visa. This is a new role.

This job was first posted by CyberCoders on 04/30/2026 and applications will be accepted on an ongoing basis until the position is filled or closed.

Everforth CyberCoders is proud to be an Equal Opportunity Employer

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity or expression, national origin, ancestry, citizenship, genetic information, registered domestic partner status, marital status, status as a crime victim, disability, protected veteran status, or any other characteristic protected by law. Our hiring process includes AI screening for keywords and minimum qualifications. Recruiters review all results.  Everforth CyberCoders will consider qualified applicants with criminal histories in a manner consistent with the requirements of applicable state and local law, including but not limited to the Los Angeles County Fair Chance Ordinance, the San Francisco Fair Chance Ordinance, and the California Fair Chance Act. Everforth CyberCoders is committed to working with and providing reasonable accommodation to individuals with physical and mental disabilities. Individuals needing special assistance or an accommodation while seeking employment can contact a member of our Human Resources team at Benefits@CyberCoders.com to make arrangements.

Copyright © 2026 Everforth, Inc. All rights reserved.