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Careers

Carter Credit Union believes in building relationships with our members and with our employees. We are continually seeking enthusiastic, motivated individuals to join our growing team. We offer our employees a safe environment that fosters self development, career advancement, and success within our credit union. Our ten branches are located in Springhill, Minden, Shreveport, Bossier City, Coushatta and Mansfield, Louisiana, Fort Worth, Texas and Magnolia, Arkansas. We appreciate your interest in employment at Carter Credit Union and look forward to reviewing your qualifications.

Job details

  • Salary: $156.00 - $18.00 per hour
  • Job Type: full time
  • 8 hour shift, Monday to Friday
  • Bonus opportunities

Qualifications

  • High School or equivalent (preferred)
  • Cutomer Service: 2 years (required)
  • Working in a Credit Union or Bank: 2 years (required)

Full Job Description

The primary responsibility of the position is assist members in making loans and or establishing membership with the credit union by taking applications, processing approved applications, completing all necessary forms. Provides a variety of transaction services to members and promotes credit union products and services that would assist the financial growth of the member. May process teller transactions and balance cash drawer daily.

BENEFITS (waiting period may apply)

  • 401(k)
  • Employee assistance program
  • Paid time off
  • Dental Insurance
  • Health Insurance
  • Life Insurance

Company's website:  cartercu.org

Company's Facebook page: https://www.facebook.com/CarterCreditUnion/

Work Location:  in person

Job details

  • Salary: $60,000 to $80,000 a year
  • Job Type: Full-time
  • Number of hires for this role: 1
  • Schedule: 8 hour shift (Monday to Friday)
  • Physical Settings: Office

Position Purpose

The Mortgage Loan Department Manager is responsible for leading, developing, and overseeing all aspects of the mortgage lending function -including origination, processing, underwriting, closing, and secondary market operations. This position ensures that the mortgage department operates efficiently, compliantly, and profitably while providing exceptional member service. The manager is accountable for strategic growth, operational excellence, and regulatory compliance, aligning mortgage activities with the institution's overall mission, risk tolerance, and financial goals.

KEY RESPONSIBILITIES

1.Leadership & Department Oversight
  • Direct, coach, and mentor the mortgage lending team, including loan originators, processors, underwriters, closers, and support staff.
  • Establish clear performance expectations, monitor results, and provide ongoing feedback, training, and professional development.
  • Promote a culture of collaboration, accountability, and member-focused service within the department.
  • Ensure adequate staffing, workload balance, and resource allocation across all functional areas.
  • Lead regular departmental meetings to communicate updates, review performance metrics, and reinforce strategic priorities.
2.Strategic Planning & Business Development
  • Develop and implement strategic goals for the mortgage department in alignment with organizational objectives.
  • Identify opportunities to grow the mortgage portfolio through new products, partnerships,and member outreach initiatives.
  • Monitor market trends, competitive products, and interest rate environments to maintain competitive pricing and product offerings.
  • Collaborate with marketing and business development teams to design campaigns that promote mortgage products and increase member engagement.
  • Establish and maintain strong relationships with real estate professionals, builders, and community partners to generate new business.
3.Operational Management
  • Oversee the entire mortgage loan process from application through post-closing to ensure efficiency, accuracy, and superior member service.
  • Review and optimize workflows, technology platforms, and procedures to improve turnaround times and reduce friction.
  • Monitor department pipeline reports, production volume, and service-level metrics to ensure timely loan closings and member satisfaction.
  • Implement process improvements and automation opportunities to enhance productivity and scalability.
  • Ensure effective coordination between originations, processing, underwriting, and closing teams.
4.Compliance, Risk Management & Quality Control
  • Ensure the mortgage department adheres to all applicable federal and state regulations, including TILA, RESPA, ECOA, HMDA, QM/ATR, Fair Lending, and SAFE Act.
  • Maintain thorough knowledge of agency and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA).
  • Oversee quality control and audit processes to ensure file accuracy, compliance, and risk mitigation.
  • Develop and enforce policies, procedures, and internal controls to minimize risk and maintain regulatory compliance.
  • Work closely with compliance and internal audit teams to address findings and implement corrective actions.
  • Ensure all mortgage staff maintain proper NMLS registration and training certifications.
5.Financial & Portfolio Management
  • Monitor and manage the financial performance of the mortgage department, including loan production, fee income, expenses, and profitability.
  • Develop and manage the annual mortgage department budget and forecast.
  • Oversee secondary market activities, including rate lock management, pricing, loan sales, and investor relationships.
  • Monitor the credit quality of the mortgage portfolio, ensuring alignment with lending policy and credit risk standards.
  • Prepare and present regular performance and pipeline reports to senior leadership.
6.Member Service & Experience
  • Ensure consistent, high-quality member experience throughout the mortgage process.
  • Establish service-level standards and monitor adherence to member communication and responsiveness goals.
  • Resolve complex member escalations or exceptions with professionalism and empathy.
  • Promote financial education and homeownership initiatives that align with the credit union's mission and community engagement goals.
7.Technology & Vendor Management
  • Oversee the use and optimization of the Loan Origination System (LOS) and related mortgage technology platforms.
  • Evaluate and recommend new technology or vendor solutions to enhance operational efficiency.
  • Manage relationships with key third-party vendors such as appraisal management companies, title firms, and investors.
  • Ensure all vendors comply with service-level agreements and regulatory standards.

QUALIFICATIONS

Education & Experience:

  • Bachelor's degree in Business Administration, Finance, or a related field required; advanced degree preferred.
  • 7-10 years of progressive experience in mortgage lending, including at least 3-5 years in a management or leadership role.
  • Proven track record in managing a successful mortgage operation with demonstrated results in production, compliance, and team leadership.
  • Strong understanding of secondary market operations and investor delivery processes.
  • Experience working within a credit union or community-focused financial institution preferred.

Licenses & Certifications

  • Active NMLS registration required.
  • Relevant agency certifications (FHA DE, VA LAPP/SAR) a plus.

Knowledge, Skills & Abilities 

  • Deep knowledge of mortgage lending regulations, products, and investor guidelines.
  • Strong analytical, strategic, and financial acumen.
  • Excellent leadership, coaching, and team-building abilities.
  • Exceptional communication and interpersonal skills.
  • Ability to interpret and apply complex regulatory and investor requirements.
  • Proficiency with LOS systems (e.g., Encompass, MeridianLink, Empower) and Microsoft Office Suite.
  • Strong problem-solving, decision-making, and organizational skills.

Preformance Metrics

  • Loan production growth and profitability.
  • Departmental efficiency and turnaround times.
  • Compliance and audit results.
  • Member satisfaction and retention.
  • Employee engagement and development.
  • Portfolio quality and risk performance.

Work Enviroment

  • Professional office, hybrid, or remote work setting depending on organizational policy.
  • Fast-paced, deadline-driven environment requiring adaptability and strong time management.
  • Occasional travel to branches, community events, or industry meetings.

Core Competencies 

  • Leadership & Vision: Inspires and guides teams toward strategic objectives.
  • Operational Excellence: Balances efficiency with compliance and quality.
  • Member-Centric Mindset: Prioritizes exceptional service and long-term financial wellness for members.
  • Integrity & Compliance: Upholds ethical lending practices and regulatory standards.
  • Collaboration: Works effectively across departments and with external partners.
  • Strategic Agility: Anticipates market shifts and positions the organization for success.
  • Carter Core Values: Upholds and follows the Credit Union Core Values in member, vendor and employee interactions.

BENEFITS

(waiting period may apply)

  • 401(k)
  • Dental insurance
  • Employee assistance program
  • Health insurance
  • Life insurance
  • Paid time off

Company's website:

  • cartercu.org

Company's Facebook page:

 

Submit Your Resume

Carter is an Equal Opportunity Employer and considers all applicants for employment without regard to race, color, sex, age, religion, national origin, disability, veteran status or any other protected status where otherwise qualified.