Vice President Mortgage Production

Position OverviewThe 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.All potential applicants are encouraged to scroll through and read the complete job description before applying.Key ResponsibilitiesEnd-to-End Production OwnershipOwn all production KPIs: funded volume, pull-through rates, cycle time, cost per loan, and customer satisfactionEnsure smooth handoffs and coordination between loan consultants, processors, underwriters, and closing consultantsIdentify and eliminate bottlenecks across the entire loan lifecycleBalance capacity across functions to match pipeline demand and prevent backlogsLoan Consultant LeadershipOversee the team responsible for converting inbound leads into qualified applicationsDevelop consultative sales processes aligned with CapCenter's direct-to-consumer modelEstablish conversion benchmarks, call quality standards, and performance accountabilityDrive coaching and development programs that improve close rates and customer experienceProcessing and Closing ManagementOversee closing consultants responsible for final borrower communication and document coordinationLead processing and underwriting teams to meet quality and turn-time standardsEnsure consistent application of investor guidelines and agency requirementsMonitor condition quality, revision rates, and first-submission approval ratesPartner with leadership on underwriting policy decisions and guideline interpretationOperational Excellence & TechnologyChampion process improvements, automation, and technology adoption across all production Partner with IT and vendors on Encompass optimization and workflow enhancementsLeverage data and reporting to identify trends, diagnose issues, and drive continuous improvementSupport AI and automation initiatives that increase efficiency without sacrificing qualityMarketing & Capacity PlanningCollaborate with marketing on lead flow forecasting and alignment with production capacityProvide feedback on lead quality and channel performance to optimize acquisition spendDevelop staffing models and capacity plans based on volume projections and seasonal trendsStrategic LeadershipDevelop and manage production budgets across all functionsReport to executive leadership on production performance, trends, and strategic opportunitiesRepresent production in cross-functional decisions affecting the borrower journeyEvaluate new products, process changes, or technology investments from a production feasibility perspectiveCompliance & Quality ControlEnsure all production activities meet federal and state regulatory requirementsPartner with compliance and QC on audit findings, loan file quality, and fair lendingMaintain appropriate controls around disclosures, xijylhu documentation standards, and investor guidelinesQualificationsRequired12+ years in mortgage lending with progressive leadership across multiple functionsDirect management experience in at least two of: sales/origination, processing, underwriting, or closingProven success in a direct-to-consumer, centralized, or call center lending environmentDeep knowledge of conventional and government loan programs and AUS systems (DU, LPA, FHA TOTAL, VA)Strong understanding of investor guidelines and secondary market requirementsExperience with Encompass or similar LOS platformsData-driven, metrics-focused leadership styleActive NMLS licensePreferredExperience leading full production operations (sales through closing) in a single roleBackground in process improvement, lean operations, or Six Sigma methodologiesFamiliarity with AI/automation applications in mortgage lendingTrack record of significant cycle time reduction or pull-through improvement

Created: 2026-03-27