AVP of Mortgage Lending

Why Join Apple?

At Apple Federal Credit Union, we're more than a financial institution; we're a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we're committed to improving the lives of our members and the communities we serve.

We believe our employees are our greatest asset. That's why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you're just starting out or advancing your career, you'll find opportunities for professional development, mentorship and meaningful impact.

Why Work at Apple FCU

• Recognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2025)
• Collaborative, welcoming environment with forward-thinking leadership
• Competitive, comprehensive benefits package, including:
  • Medical, dental and vision coverage
  • 401(k) with employer match
  • Paid time off and 11 paid federal holidays
  • Paid volunteer time to give back
  • Tuition reimbursement and ongoing training opportunities
  • Annual TEAM Bonus plan.

Role

Responsible for organizing, planning and directing the Credit Union's Mortgage Lending function. Directs the activities of all Mortgage Department Managers, Mortgage Staff and Branch Staff in originating, servicing, and collecting residential mortgage loans. Responsible for periodic review of new and existing mortgage products to ensure competitiveness in the marketplace while guarding the safety and soundness of the loan portfolio. Approves and declines loan applications that exceed the loan limits of underwriters/subordinates. Serves as a member of the Credit Committee. Performs duties and responsibilities in accordance with The Apple Way principles of Team Up, Serve with Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. May perform other Administrative, Managerial or Lending duties as assigned by the VP of Lending.

Essential Functions & Responsibilities

• Develop, recommend, and when approved, implement mortgage lending policies and operating procedures that are consistent with overall Credit Union policies and goals. Plan, develop and implement new mortgage lending products and services. Monitor, analyze and communicate suggestions pertaining to mortgage loan rates, fees, and other charges to the Chief Lending Officer/SVP of Lending that are consistent with overall Credit Union policies, and are competitive and profitable for the Credit Union. Oversee and participate in all audits for the department: NCUA; FHLB; SAFE ACT: AUX Audit; internal audits; etc.
• Review mortgage loans originated in the branches and through correspondent partners for compliance with lending objectives, policies, and procedures. Act as the Senior Mortgage Loan Officer for the Credit Union. Interview applicants, gather and evaluate financial and related credit terms where necessary, and continually monitor members' financial condition and repayment progress.
• Supervise, direct and control the activities of Mortgage Lending staff. Ensure a trained, motivated and professional staff capable of providing efficient and effective Mortgage Lending services to internal and external customers. Interview, schedule, train, assign work, establish performance expectations and monitor results. Recommend discipline and/or discharge of subordinates while maintaining required personnel documentation. Coach and counsel staff as necessary.
• Develop and administer staff member training on mortgage loan and related products. Serve as Credit Union subject‑matter expert on mortgage loan products. Conduct member education seminars and materials.
• Coordinate with the Collections Department on the collection of mortgage loans to minimize delinquencies and maximize charge‑off recovery in compliance with federal regulations and Apple FCU policies and procedures.
• Prepare lending activity reports for Credit Union review by the Board of Directors and Senior Management as requested.
• Attend outside educational functions and seminars to meet skill and competency requirements.
• Take mortgage loan applications and negotiate the terms of those applications. This qualifies the employee as a Mortgage Loan Originator (MLO) under the Secure and Fair Enforcement for Mortgage Licensing (SAFE Act).
• Complete, communicate and update the status of projects on a timely basis; ensure related monthly Dialogs are held in accordance with organizational practices.

Experience

• 10 years mortgage lending experience.
• Minimum 8 years management experience in lending or branch management.

Education

A bachelor's degree in Business, Finance, or Accounting.

Other Skills

• Must be able to register in the Nationwide Mortgage Licensing System (NMLS) and maintain current registration including submitting to criminal background checks, obtaining and maintaining a unique identifier through NMLS, and renewing registration as required by NMLS.
• Previous lending authority.
• Demonstrated knowledge of real estate lending policies, procedures, regulations and legislation.

Apple Federal Credit Union values, encourages, and implements diversity in the workplace.

As an equal‑opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.

All selected candidates will be subject to credit and background checks to determine employment eligibility.

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