Remote Mortgage Lending Manager (Sales and Operations)

Real Estate Mortgage Lending Manager

Location: Remote, West Coast / Pacific Time Zone
Compensation: $85,000–$105,000
Schedule: Full-time, Monday–Friday, Pacific Time business hours
Bonus: Eligible for annual incentive program up to 2.25% of base earnings based on organizational NPS and ROA goals

Position Overview

A credit union is seeking an experienced Real Estate Lending Manager to lead its real estate lending function across first mortgage and home equity lending.

This is a broad, hands-on leadership role responsible for the full real estate lending lifecycle, including origination, underwriting, processing, closing, post-closing, secondary market execution, correspondent and wholesale relationships, vendor management, audit response, and team performance.

The organization is also expanding its first mortgage operation in-house. This person will play an important role in developing the processes, infrastructure, and team needed to grow production while maintaining strong credit, compliance, operational, and member service standards.

Responsibilities

Oversee the full real estate lending lifecycle from origination through underwriting, processing, closing, post-closing, and secondary market delivery
Lead first mortgage and home equity lending operations
Manage direct loan delivery to Fannie Mae and Freddie Mac
Maintain working knowledge of Agency selling guides, eligibility requirements, and investor delivery standards
Establish and manage correspondent and wholesale lending relationships
Evaluate loan participation and loan purchase opportunities
Underwrite and approve real estate loan requests within established credit authority
Support first mortgage, home equity, and ITIN borrower lending
Manage third-party vendors, including LOS providers, AMCs, contract underwriters, and loan servicers
Manage pre- and post-closing audit processes, including identifying, clearing, and responding to findings
Support regulatory examinations and investor audits
Develop and maintain written policies, procedures, and SOPs for real estate lending
Monitor department KPIs, production goals, pipeline performance, and operational trends
Identify performance gaps and implement corrective actions
Lead, coach, mentor, and onboard real estate lending staff
Develop strategies to increase first mortgage application volume and improve pull-through
Build and maintain referral relationships with real estate brokers, builders, developers, and community partners
Help develop the processes and sales support infrastructure needed to expand first mortgage production in-house
Work with internal lending teams to support home equity submissions and ensure files are operationally ready for closing
Monitor third-party/CUSO performance and escalate service or performance concerns when necessary
Engage directly with members when needed to support origination or resolve documentation and post-closing issues

Qualifications

5–10 years of progressively responsible real estate lending experience
Broad experience across mortgage origination, underwriting, operations, and secondary market execution
Prior supervisory or team leadership experience strongly preferred
Direct Fannie Mae and Freddie Mac loan delivery experience
Strong knowledge of Agency selling guides, eligibility requirements, and loan delivery processes
Experience establishing and managing correspondent and wholesale lending relationships
Experience evaluating loan participation and loan purchase transactions
Strong mortgage underwriting knowledge consistent with Fannie Mae and Freddie Mac guidelines
Experience with first mortgages and home equity lending
Experience with ITIN borrower lending preferred
Experience managing third-party mortgage vendors, including LOS providers, AMCs, contract underwriters, and loan servicers
Experience identifying, clearing, and responding to pre- and post-closing audit findings
Regulatory examination or investor audit experience preferred
Experience managing production goals and lending KPIs
Strong leadership, coaching, mentoring, and staff development skills
Knowledge of federal and state banking regulations and lending compliance requirements
Bachelors degree in Finance, Business Administration, a related field, or equivalent professional experience
Must be located on the West Coast / Pacific Time Zone and able to work Pacific Time business hours
Ability to work effectively in a fully remote leadership environment

NMS Disclaimer

Client requirements and hiring decisions are set by the hiring company. Please ensure your application details align with your resume and reflect your direct experience. Thank you for your interest!