The Chief Mortgage Officer is responsible for leading and overseeing the bank's mortgage business, including origination, underwriting, servicing, and portfolio management. The CMO will drive growth in mortgage lending while ensuring strong risk management, regulatory compliance, and an exceptional customer experience. This role requires strategic leadership, deep industry expertise, and the ability to optimize end-to-end mortgage operations.

Key Responsibilities:

1. Strategic Leadership & Business Growth

Develop and execute the bank's mortgage lending strategy aligned with overall business goals.

Drive growth in mortgage originations, market share, and profitability.

Identify new market opportunities, products, and distribution channels.

2. Mortgage Operations Oversight

Oversee end-to-end mortgage lifecycle including origination, processing, underwriting, closing, and servicing.

Ensure operational efficiency, turnaround times, and service quality standards are met.

Implement process improvements and digital transformation initiatives.

3.



Credit Risk & Underwriting Governance

Establish and enforce mortgage underwriting standards and credit policies.

Monitor loan quality, delinquency trends, and portfolio performance.

Collaborate with risk and credit teams to ensure prudent lending practices.

4. Compliance & Regulatory Management

Ensure adherence to all mortgage-related regulations and internal policies.

Oversee audit readiness and regulatory reporting requirements.

Maintain strong controls around documentation, disclosures, and fair lending practices.

5. Sales & Channel Management

Lead mortgage sales across multiple channels (retail, broker, correspondent, digital).

Develop partnerships with real estate agents, brokers, and developers.

Support marketing initiatives to enhance brand presence in the mortgage market.

6. Customer Experience & Relationship Management

Ensure a seamless and high-quality customer journey throughout the mortgage proces

📌 Chief Mortgage Officer (Trinitat)
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📍 Trinitat