What’s Upstate
AVP, Secondary Market & Credit Administration
What’s Upstate, Air City, New York, United States
AVP, Secondary Market & Credit Administration
Location: Rome, NY
Starting Salary Range $108,372.95 to $108,372.95, actual starting rate would depend on experience.
Who Are We?
AmeriCU is a not-for-profit credit union based in Rome, NY with assets in excess of $2.7 Billion and serving a membership base of over 170,000 members across Central New York, the United States, and beyond. For 75 years we have been committed to our members, our employees, and our communities. In 2025, we were once again recognized as one of the Best Companies to Work for in New York State and recognized by American Banker as one of the best credit unions in the United States to work for, ranking 38th nationwide! The Position:
PURPOSE : Consistent with the credit union mission of building connections and providing our members the right financial services to live life, dream big and achieve financial success, the AVP, Secondary Market & Credit Administration will: Provide hands-on leadership, management, mentoring and direction to the Mortgage and Home Equity Departments to support the strategic objectives and goals of the departments and the organization. Ensure the Credit Union’s mission, vision and values are instilled in the team members and further ensures our MVP 1-Team culture is supported and promoted within the department and the organization. Oversee the administration and implementation of policies, programs and systems that support and further the strategic goals and objectives of the Credit Union. Ensure effective management of software applications to deliver timely credit decisions, integrate accurately to core systems, and provide appropriately managed credit risk. Participate in developing recommendations for new products, pricing/rate changes, and marketing campaigns. Will make presentations to committees as requested. Proactively seek ways to continuously improve processes, service, and workflow efficiencies within the department with a focus on delivering first-class service to its members (both internal and external.) Works collaboratively with others to ensure processes are efficient and support the objectives. Ensure the credit union remains in compliance with all residential mortgage regulatory requirements as well as secondary market standards; including maintaining compliant forms and documents. Responsibilities:
As an
AVP, Secondary Market & Credit Administration : Manage the interest rate risk on mortgages originated to be held for our portfolio or for sale to the secondary market to ensure loans are priced competitively and profitability is optimized to achieve the credit union’s financial objectives. Provide oversight of correspondent, broker and/or vendor relationships to ensure the quality of loans originated from those relationships remain within the risk tolerance parameters established by AmeriCU Management. Oversee the activities, performance and functioning of the respective areas. Work with line management to improve AmeriCU’s competitive posture, operational efficiency, and quality of services to membership. Direct and coordinate the resources, systems, as well as managers and other employees associated with the mortgage/equity loan department to ensure efficient and effective operations. Analyze the external environment (e.g., competitor practices/rates, legislative and regulatory changes, economic trends, etc.) and the internal environment (e.g., member needs and preferences, available resources and technology, existing policies and procedures) to establish relevant objectives for the Division, in association with Senior Management. Develop alternatives for reaching the objectives, and implements constructive plans to pursue the chosen solution. Assist in developing marketing strategy for mortgage products and services. Determine resources to be used, and when, where and how they will be used; develop tasks to be performed; assign tasks and allocate resources. Direct others towards achieving division objectives. Provide a leadership role in identifying new and innovative ways to apply technology to business needs. Perform supervisory duties: select employees, conduct performance appraisals, counsel, train, and develop employees. Manage merit pay in accordance with specified objectives and guidelines. Assist in the strategic planning and goal-setting for the Division. Monitor projects assigned to ensure that project goals and objectives are completed according to schedule. Work closely with the VP or CLO to prepare, analyze, complete and execute the business plan for the Department. Obtain or provide justification for all non-recurring budget requests and budget exceptions. Represent the Lending Department as liaison and spokesperson to vendors, committees, other Departments and Management regarding mortgage and/or home equity lending initiatives, opportunities or concerns. Oversee vendor management to ensure risk, expenses, and compliance are within AmeriCU standards. Work closely with vendors to develop ancillary loan products and services that provide value to members and revenue for AmeriCU that support our financial goals and service objectives. Oversee the quality of mortgages originated to ensure compliance with established internal underwriting guidelines and/or agency/investor requirements. Ensure all forms and documents are always compliant with applicable laws and regulations Work collaboratively with Managers to manage the pipeline and ensure rate lock and delivery dates are met with secondary market investors. Underwrite mortgages within scope of authority. Develop, maintain and implement policies and procedures related to loan origination, processing, underwriting and closing/funding. Implement and maintain a quality control program that minimizes “critical” errors, ensuring high quality member service. Ensure timely and accurate consumer loan and credit card reporting to Management, Vendors, Pricing, Asset-Liability Committee or other parties as directed. Ensure satisfactory examination and audit results by providing accurate, complete, and timely files, reports, and responses to requests. Benefits:
We offer the following benefits: Competitive rates on our Medical, Dental and Vision plans Generous contribution to your Health Savings Account, if you choose to enroll in one of AmeriCU’s High Deductible Health plans Paid Holidays Paid Time off – Vacation, Personal or Sick and Birthday Employee Appreciation Events 401(k) Matching after 1 year of employment Employee Assistance Program Tuition Reimbursement for Full-time employees after 1 year of employment Life Insurance & Accidental Death & Dismemberment Insurance, free to all Full-time employees Enhanced Short Term Disability – at no cost to you! Come grow with us!
Whether you are just starting out or have been working in your field already, we offer opportunities for growth and advancement. It is our goal to hire employees who will provide exceptional service to our members and who value giving back and supporting the communities we serve.
#J-18808-Ljbffr
AmeriCU is a not-for-profit credit union based in Rome, NY with assets in excess of $2.7 Billion and serving a membership base of over 170,000 members across Central New York, the United States, and beyond. For 75 years we have been committed to our members, our employees, and our communities. In 2025, we were once again recognized as one of the Best Companies to Work for in New York State and recognized by American Banker as one of the best credit unions in the United States to work for, ranking 38th nationwide! The Position:
PURPOSE : Consistent with the credit union mission of building connections and providing our members the right financial services to live life, dream big and achieve financial success, the AVP, Secondary Market & Credit Administration will: Provide hands-on leadership, management, mentoring and direction to the Mortgage and Home Equity Departments to support the strategic objectives and goals of the departments and the organization. Ensure the Credit Union’s mission, vision and values are instilled in the team members and further ensures our MVP 1-Team culture is supported and promoted within the department and the organization. Oversee the administration and implementation of policies, programs and systems that support and further the strategic goals and objectives of the Credit Union. Ensure effective management of software applications to deliver timely credit decisions, integrate accurately to core systems, and provide appropriately managed credit risk. Participate in developing recommendations for new products, pricing/rate changes, and marketing campaigns. Will make presentations to committees as requested. Proactively seek ways to continuously improve processes, service, and workflow efficiencies within the department with a focus on delivering first-class service to its members (both internal and external.) Works collaboratively with others to ensure processes are efficient and support the objectives. Ensure the credit union remains in compliance with all residential mortgage regulatory requirements as well as secondary market standards; including maintaining compliant forms and documents. Responsibilities:
As an
AVP, Secondary Market & Credit Administration : Manage the interest rate risk on mortgages originated to be held for our portfolio or for sale to the secondary market to ensure loans are priced competitively and profitability is optimized to achieve the credit union’s financial objectives. Provide oversight of correspondent, broker and/or vendor relationships to ensure the quality of loans originated from those relationships remain within the risk tolerance parameters established by AmeriCU Management. Oversee the activities, performance and functioning of the respective areas. Work with line management to improve AmeriCU’s competitive posture, operational efficiency, and quality of services to membership. Direct and coordinate the resources, systems, as well as managers and other employees associated with the mortgage/equity loan department to ensure efficient and effective operations. Analyze the external environment (e.g., competitor practices/rates, legislative and regulatory changes, economic trends, etc.) and the internal environment (e.g., member needs and preferences, available resources and technology, existing policies and procedures) to establish relevant objectives for the Division, in association with Senior Management. Develop alternatives for reaching the objectives, and implements constructive plans to pursue the chosen solution. Assist in developing marketing strategy for mortgage products and services. Determine resources to be used, and when, where and how they will be used; develop tasks to be performed; assign tasks and allocate resources. Direct others towards achieving division objectives. Provide a leadership role in identifying new and innovative ways to apply technology to business needs. Perform supervisory duties: select employees, conduct performance appraisals, counsel, train, and develop employees. Manage merit pay in accordance with specified objectives and guidelines. Assist in the strategic planning and goal-setting for the Division. Monitor projects assigned to ensure that project goals and objectives are completed according to schedule. Work closely with the VP or CLO to prepare, analyze, complete and execute the business plan for the Department. Obtain or provide justification for all non-recurring budget requests and budget exceptions. Represent the Lending Department as liaison and spokesperson to vendors, committees, other Departments and Management regarding mortgage and/or home equity lending initiatives, opportunities or concerns. Oversee vendor management to ensure risk, expenses, and compliance are within AmeriCU standards. Work closely with vendors to develop ancillary loan products and services that provide value to members and revenue for AmeriCU that support our financial goals and service objectives. Oversee the quality of mortgages originated to ensure compliance with established internal underwriting guidelines and/or agency/investor requirements. Ensure all forms and documents are always compliant with applicable laws and regulations Work collaboratively with Managers to manage the pipeline and ensure rate lock and delivery dates are met with secondary market investors. Underwrite mortgages within scope of authority. Develop, maintain and implement policies and procedures related to loan origination, processing, underwriting and closing/funding. Implement and maintain a quality control program that minimizes “critical” errors, ensuring high quality member service. Ensure timely and accurate consumer loan and credit card reporting to Management, Vendors, Pricing, Asset-Liability Committee or other parties as directed. Ensure satisfactory examination and audit results by providing accurate, complete, and timely files, reports, and responses to requests. Benefits:
We offer the following benefits: Competitive rates on our Medical, Dental and Vision plans Generous contribution to your Health Savings Account, if you choose to enroll in one of AmeriCU’s High Deductible Health plans Paid Holidays Paid Time off – Vacation, Personal or Sick and Birthday Employee Appreciation Events 401(k) Matching after 1 year of employment Employee Assistance Program Tuition Reimbursement for Full-time employees after 1 year of employment Life Insurance & Accidental Death & Dismemberment Insurance, free to all Full-time employees Enhanced Short Term Disability – at no cost to you! Come grow with us!
Whether you are just starting out or have been working in your field already, we offer opportunities for growth and advancement. It is our goal to hire employees who will provide exceptional service to our members and who value giving back and supporting the communities we serve.
#J-18808-Ljbffr