AVP, Mortgage Loss Mitigation & Acquisitions
Company: VyStar Credit Union
Location: Jacksonville
Posted on: April 5, 2026
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Job Description:
At VyStar, we offer competitive pay, an excellent benefit
package that includes a 401(k) Plan, an extensive paid technical
and on-the-job training program, and tuition reimbursementavailable
to all full and part time employees. Part time positions start at a
minimum of 30 hours per week. We encourage you to become a part of
VyStar Credit Union's family of employees. AVP, Mortgage Loss
Mitigation & Acquisitions ACCOUNTABILITY STATEMENT The Assistant
Vice President of Loss Mitigation & Acquisition will focus on Loss
Mitigation and Acquisition of loan products inclusive of both
government and portfolio products along with supporting the VP
Mortgage Servicing & Loss Mitigation in evaluating and
implementation of future Merger and Acquisitions by VyStar.
Maintain servicing and loss mitigation standards in compliance with
all government, secondary market and mortgage insurance servicing
for policy adherence, and process improvement. Display strong
collaboration and sharing of expertise/knowledge within Real Estate
Lending and with other areas as it relates to projects, goals, and
initiatives. The AVP, Mortgage Loss Mitigation & Acquisitions
reports directly to the VP Mortgage Servicing & Loss Mitigation and
is responsible for ensuring that the mortgage lending portfolio
adheres to VyStar’s established loan policies and procedures along
with all government, mortgage insurance and secondary marketing
guidelines. The incumbent is expected to become the authority on
applicable regulations, policies, and procedures. A successful
candidate will leverage strong communication and problem-solving
skills to fully understand all regulations and guidelines related
to servicing FHA, VA, USDA, Fannie Mae, Freddie Mac and portfolio
loans. This position will also serve an active role in representing
the Mortgage Servicing & Loss Mitigation department in projects
involving, but not limited to system improvements, mergers, and
acquisitions. In this capacity the ability to multi-task and to
work well with others is critical. ESSENTIAL JOB FUNCTIONS
Proactively monitor and evaluate loss mitigation practices to
ensure that quality standards are achieved and that risk level
tolerances stay within acceptable levels. Identify errors and
potential risks. Assist in the development of internal controls
that prevent future errors and mitigate identified risks. Identify
improvements that will result in lower risk, higher efficiencies
and allow for scalability. Maintain thorough knowledge of
regulatory requirements and VyStar’s mortgage lending policies.
Adhere to established policy and procedure review schedules.
Propose updates as needed. Assist in the implementation of
procedures, and practices while making significant strategic and
tactical contributions to the formulation, development, and
administration of Credit Union strategies, business goals, and
objectives. Cultivate a positive working relationship with the
department to identify, develop, and recommend revisions of
internal standards, policies, operating procedures, and new
processes to improve efficiencies. Ability to lead a team of 10 in
all functional duties to include succession planning. Act as the
mortgage lead for Merger & Acquisition activities as it relates to
identifying and understanding mortgage lending regulations &
policies, loan products, and credit risk. Act as the representative
for Mortgage Loss Mitigation on projects specific to this line of
business. Actively participate, and lead when appropriate, in key
re-engineering projects to enhance Mortgage Loss Mitigation
processes and procedures. Assist in training of Mortgage Servicing
& Loss Mitigation Department on government servicing policies and
procedures related to servicing FNMA, FHLMC, FHA, VA, and USDA
loans. Provide quality service to all internal and external
stakeholders including peers, members, prospective members, and
vendors. Identify areas of opportunities and design solutions to
optimize risk/reward tradeoff. Conduct in depth portfolio review to
discern emerging trends, opportunities, and risk. Work with various
areas within Real Estate Lending to identify and implement new
products and services related to mortgage lending. Ensures proper
file organization and maintenance (credit, document, and
collateral) are essential elements of an effective loan
administration process. A credit union should maintain electronic
and hard copy files in a consistent, orderly, and uniform manner,
with clearly labeled sections that are easily identified.
Contribute to Mortgage Loss Mitigation & Acquisition area’s
preparation for and participation in state and federal examinations
and internal audits. Perform other duties and responsibilities as
assigned. All employees and business units, as first line of
defense, are expected to proactively help identify, assess, manage,
and report risks within their domain of work. To enhance a healthy
risk culture and support our growth for good pillar, employees will
maintain vigilance in safeguarding our operations while ensuring
compliance with regulatory mandates. The Risk team serves as the
second line of defense by providing risk oversight and credible
challenge whereas the Audit team serves as the third line of
defense by providing risk assurance. Incumbent is expected to
demonstrate each of the following VyStar Excellence behaviors in
performing the duties and responsibilities of their job: Focus -
Focus your full attention by carefully listening to and observing
client or member. Connect - Consistently be friendly and
approachable. Demonstrate your care. Understand - Listen
empathetically and ask questions (70%/30% rule). Counsel -
Recommend solutions based on your member’s needs and objectives.
Advance - Ensure that member’s expectations were exceeded. Verify
necessary follow-up actions. JOB QUALIFICATIONS EDUCATION High
School Diploma or GED is required. BA/BS degree with emphasis in
Accounting, Business or Finance preferred. EXPERIENCE Minimum of
six (6) years of experience in servicing and/or loss mitigation.
Experience in FHA/VA/USDA servicing and loss mitigation preferred.
3 years of experience leadership role. KNOWLEDGE, SKILLS, AND
ABILITIES Competent working knowledge of FHA/VA/USDA and Secondary
Market (FNMA/FHLMC) requirements regarding mortgage loss mitigation
preferred. Thorough understanding of private and government
mortgage insurance requirements. Competent working knowledge of
federal and state regulations related to mortgage loan servicing
specifically CFPB requirements preferred. Strong proficiency with
Microsoft products including Word, Excel, PowerPoint and Outlook.
Must be highly motivated, analytical, detail-oriented, able to
multi-task and work in a fast-paced environment while applying
critical thinking skills. Utilize independent judgment and
technical capabilities to effectively manage a diversified
workload. Exhibit sound professional judgment, problem-solving and
negotiation skills. Demonstrate professional composure, objectivity
and fairness when dealing with conflicts and sensitive matters.
Exhibit a strong sense of teamwork and ability to collaborate with
team members to achieve high quality and productivity levels.
Excellent interpersonal, communication, analytical and
organizational skills combined with the ability to condense
technical subject matter into clear and effective communications to
Vice President of Mortgage Servicing & Loss Mitigation and Senior
Vice President of Real Estate Lending. Ability to create, compose
and edit written materials. DISCLAIMERS AND WORK ENVIRONMENT
Nothing in this position description is an implied contract for
employment. The position description is intended to be an accurate
account of the essential functions. The functions are not all
encompassing and are subject to change at any time by management.
The work environment characteristics described are representative
of those that an employee encounters while performing the essential
functions of this job. Reasonable accommodations may be made to
enable individuals with disabilities to perform the essential
functions. As required or requested, may exert up to 20 pounds of
force occasionally and/or a negligible amount of force constantly
to lift, carry, push, pull or otherwise move objects. VyStar Credit
Union is not seeking outside assistance or accepting unsolicited
resumes from staffing agencies or search firms for employment or
contractor opportunities. Any resumes submitted by an outside
vendor to any employee at VyStar via e-mail, internet, or directly
to hiring managers without a valid written search agreement with
the Talent Acquisition / HR department will be deemed the sole
property of VyStar Credit Union. No placement fee will be paid if a
candidate is hired as a result of the referral, or through other
means. Thank you for your inquiry regarding our current job
opening. Your resume will be carefully reviewed against the
position requirements. Should your experience and skills match, you
will be contacted by one of our Human Resources department staff
members. Thank you again for your interest in this position! VyStar
Credit Union Human Resources
Keywords: VyStar Credit Union, Jacksonville , AVP, Mortgage Loss Mitigation & Acquisitions, Accounting, Auditing , Jacksonville, Florida
