ABOUT OREGON STATE CREDIT UNION Oregon State Credit Union (OSCU) is a full-service, community based and operated financial institution that provides a complete range of financial products and services, including investment, real estate and small business lending to its members with the convenience, ease, affordability and dependability that only a not-for-profit member-owned cooperative can offer. The story of OSCU began in 1954 with a shoebox and $25. Bob Coyle, an associate professor of Agriculture at Oregon State College (now Oregon State University), founded the Oregon State College Federal Credit Union to address the unmet financial needs of the college community. Operating from his desk in Snell Hall (now Ballard Extension Hall), Mr. Coyle managed the credit union's modest beginnings. OSCU has come a long way from those humble beginnings. Today, they are a thriving state-chartered, not-for-profit credit union with over $2.5 billion in assets, serving 145,000 members across 30+ counties in Central and Western Oregon and SW Washington. Despite their growth, their vision remains unchanged: to create financial solutions that improve lives. OSCU continues to be guided by the words of Bob Coyle: “Your credit union is in business for one purpose only — to serve the needs of its members.” MISSION OF ROLE Reporting to: CLO The Director of Mortgage Lending is a critical member of the Lending senior leadership team, responsible for developing and executing a strategic vision to grow the Credit Union’s mortgage portfolio, optimize operations, and elevate member experience. This leader ensures operational excellence, regulatory compliance, and data-driven decision-making while fostering a culture of innovation and high performance. Serving as a strategic ambassador of the Credit Union, the Director builds trusted relationships with members and referral partners, driving sustainable business opportunities and reinforcing the Credit Union’s mission and values Key areas of responsibility: + Market Strategy, Product Development & Portfolio Growth + Operational Oversight & Process Improvement + Regulatory Compliance & Risk Management + Business Development & Community Engagement + Credit Portfolio Monitoring & Secondary Market Management + Leadership & Development ACCOUNTABILITIES & OUTCOMES The Director of Mortgage Lending will lead strategic initiatives to grow the Credit Union’s mortgage portfolio, optimize operations, and enhance the member experience. This leader will leverage data-driven insights, product innovation, and strategic partnerships to drive sustainable business growth, ensure regulatory compliance, and strengthen the Credit Union’s brand and value to members and referral partners while attracting, developing, and retaining a high-performance organization: Market Strategy, Product Development & Portfolio Growth + Develop and execute strategies to grow the mortgage portfolio, aligning with member needs and profitability goals. + Conduct market research to inform product innovation and improve member satisfaction. + Recommend and implement product adjustments based on data-driven insights to enhance offerings and ensure program success. Operational Oversight & Process Improvement + Oversee mortgage operations, including processing, underwriting, documentation, and funding, to ensure quality and efficiency. + Analyze performance metrics and implement technology-driven improvements to streamline workflows. + Establish benchmarks to monitor and report progress, ensuring competitive performance. Regulatory Compliance & Risk Management + Ensure adherence to all regulatory requirements, credit union policies, and industry standards. + Regularly update underwriting and process guidelines to address regulatory changes. + Monitor audits, mitigate risks, and implement proactive compliance measures. Business Development & Community Engagement + Collaborate with internal teams to design and lead marketing and business development initiatives. + Build and nurture strategic relationships with referral partners, such as real estate agents and community organizations, to generate sustainable business opportunities. + Represent the Credit Union as a visible ambassador, promoting its brand and value to members and stakeholders. Credit Portfolio Monitoring & Secondary Market Management + Monitor and assess the mortgage portfolio to identify opportunities for retention and engagement. + Manage secondary market activities, including pricing strategy and loan sales, to optimize portfolio profitability. + Partner with Loan Servicing to enhance member retention and address portfolio quality improvements. Team Leadership & Development + Attract, mentor, and develop high-performing team members to foster engagement and excellence. + Provide coaching, mentoring, and professional growth opportunities for employees. + Inspire the team to model the Credit Union’s service standards delivering exceptional member and partner experiences including establishing key metrics and managing individual and team performance to achieve business goals. Requirements + Visionary leader with exceptional communication skills, capable of translating organizational strategy into actionable operational plans while building trusted relationships with members, internal teams, and external partners. + Proven expertise in mortgage lending operations, including secondary market administration, with in-depth knowledge of mortgage products, regulatory compliance, and laws governing mortgage lending. + Demonstrated success in managing complex lending scenarios, including underwriting and construction, lot, and home equity lending, focusing on delivering innovative, member-centric solutions. + Strong business and financial acumen, with the ability to align strategic goals with operational execution, using data-driven insights to achieve measurable outcomes and optimize performance. + Skilled in leadership and team development, with a proven ability to build high-performing teams, drive engagement, and foster professional growth through mentorship and coaching. + 8–10 years of experience in mortgage lending, with a minimum of 5 years in leadership roles within financial services or lending. + Bachelor’s degree in finance, business, or a related field or equivalent education and experience; advanced education or certifications in lending or financial services are a plus. Benefits Oregon State Credit Union offers a highly competitive benefit package including among other benefits: + Comprehensive health, dental and vision coverage + 401k match, including the opportunity for additional contribution after year 1 totaling 11.75% + 11 paid holidays + 15 days of PTO, increasing to 21 days year 3 + Paid parental leave + Discounted fitness memberships