At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees.  Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

AVP, Mortgage Servicing

ACCOUNTABILITY STATEMENT

The Assistant Vice President of Mortgage Servicing leads the operations of the general mortgage loan servicing and document imaging record retention functions associated with first mortgages, equity loans, and mobile home loans to ensure loans are serviced in accordance with VyStar and secondary market requirements, policies, and procedures. Must be well versed in all Federal and State regulatory requirements as well as FNMA/FHLMC servicing and mortgage insurance servicing requirements. Must demonstrate proficiency in federal and state regulations pertinent to all aspects of mortgage loan servicing, collections, and loss mitigation. Staffs, trains, supervises evaluates and develops employees in conjunction with the Vice President Mortgage Servicing & Loss Mitigation.

ESSENTIAL FUNCTIONS

• Leads servicing staff and related functions consistent with VyStar Credit Union policies and procedures, secondary market guidelines, and state/federal regulations.
• Directs department supervisors to ensure all work is scheduled, monitored, and completed timely.
• Makes loan servicing action decisions as authorized by policy and in conjunction with secondary market, private mortgage insurance, and federal/state regulations.
• Ensures staff receives pertinent training to complete all job-related skills and soft skills to support employee growth and development.  Mentors, counsels, and completes performance evaluations for supervisors and employees under direct supervision.
• Assigns mortgage servicing staff to work with the Mortgage System Analyst and ISD/ITO Department staff to develop, provide testing resources to implement software enhancements to improve operating efficiencies resulting in improved member service.
• Manage and enhance general servicing workflow processes including but not limited to: escrow, hazard, tax. PMI, payoffs, and reconveyance.
• Manage third party vendor relationships and ensure oversight over vendor performance.
• Act as the mortgage lead for Merger & Acquisition activities as it relates to identifying and understanding mortgage lending regulations & policies, loan products, and credit risk.
• Act as the representative for Mortgage Servicing on projects specific to this line of business. Actively participate, and lead when appropriate, in key re-engineering projects to enhance Mortgage Servicing processes and procedures.
• Assist in training of Mortgage Servicing Department on government servicing policies and procedures related to servicing FNMA, FHLMC, FHA, VA, and USDA loans.
• Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors and to provide support and feedback to employees assigned to the Mortgage Servicing Department to consistently practice and demonstrate VyStar Excellence behaviors in performing the duties and responsibilities of their position. 
• Makes recommendations to Vice President Mortgage Servicing & Loss Mitigation for enhancements to servicing existing products as deemed necessary.  Reviews software needs, stays abreast of changes within the servicing industry and makes recommendations to maintain operating efficiencies.  Coordinates with the Mortgage System Analyst and ISD/ITO staff as appropriate to develop, provide testing resources, and implement software changes.
• Monitors and counsels staff to practice and embrace behaviors consistent with the credit union initiative for VyStar Excellence.
• Performs other duties as assigned.
• All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.

Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job:

• Focus - Focus your full attention by carefully listening to and observing client or member.
• Connect - Consistently be friendly and approachable.  Demonstrate your care.
• Understand - Listen empathetically and ask questions (70%/30% rule).
• Counsel - Recommend solutions based on your member’s needs and objectives.
• Advance - Ensure that member’s expectations were exceeded.
• Verify necessary follow-up actions.

JOB QUALIFICATIONS

EDUCATION

• High School Diploma or GED required.
• Bachelor’s degree preferred.
• Continuing education via local conferences and workshops is required for updates on federal regulations and secondary market requirements. 

EXPERIENCE

• 6+ years’ experience in a financial or lending institution with direct member contact in the mortgage servicing functions and 3+ years of leadership experience.
• Must have in depth knowledge of mortgage loan servicing for Conventional and equity loan financing. 
• Must be well versed in servicing requirements for secondary market guidelines, and private mortgage insurance company requirements. 
• Must be proficient and knowledgeable in all servicing and mortgage collection related state and federal regulations governing mortgage lending, specifically CFPB loan servicing requirements.  

KNOWLEDGE, SKILLS, & ABILITIES

• Demonstrated ability and working knowledge of all Microsoft Office applications is required. 
• Proven ability to work under stress and heavy workload environment.
• Incumbent must demonstrate excellent written and verbal communication skills.

DISCLAIMERS AND WORK ENVIRONMENT

Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.

The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.

VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.

No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.

Thank you for your inquiry regarding our current job opening.  Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.

Thank you again for your interest in this position!

VyStar Credit Union Human Resources