Zakary Short
VP Mortgage Lending & Mortgage OperationsNMLS #247310
- Role
- VP Mortgage Lending & Mortgage Operations at Utah Community Credit Union (UCCU)
- Location
- Provo, UT, US
- LinkedIn followers
- 500 followers
About Zakary Short
Accomplished leader with over 20 years of experience in mortgage, consumer and commercial lending. Proven ability to drive growth, manage enterprise-wide lending strategies, and lead high-performing cross-function teams. Strong background in regulatory compliance, risk management, and product development.
Experience
VP Mortgage Lending & Mortgage Operations
Utah Community Credit Union (UCCU)
Aug 2020 — Present · Provo, UT, US
Oversee the mortgage sales and operations teams, including loan processors, underwriters and closers.(50+ employees)- Develop and implement strategic plans to streamline loan processes, reduce turn times, and enhance customer service- Drive business growth by executing strategies that increase loan volume while maintaining compliance with federal and state regulations- Collaborate with executive team to set and achieve goals, including loan volume and profitability- Oversee the implementation of new technologies and systems to streamline operations and improve data accuracy- Mentor and train team members, while fostering a culture of care and continuous improvement- Develop and maintain policies and guidelines to meet all regulatory requirements- Serve on the Commercial Loan Committee, evaluating and approving commercial loans- Collaborate closely with VP of Consumer and Commercial Lending to align lending policies and ensure holistic portfolio health. Strategic Achievements- Grew mortgage production from $100M to $900M in annual volume- Built a $1.5B servicing portfolio while maintaining below market delinquency rates- Develop and launch new lending products including, construction, land, jumbo and affordability products- Consistent clean audits with NCUA, independent CPA’s and federal regulators- Increased department NPS score from 69 to 86 while reducing purchase turn times by 10 days.
Education
Salt Lake Community College
Associate's degree, Credit and finance
Skills
- Sales Management
- Fha Financing
- Finance
- Computer Maintenance
- Consumer Lending
- Banking
- Mortgage Banking
- Fha
- Va Loans
- Buyers
- Loans
- Mortgage Lending
- First Time Home Buyers
- Government Loans
- Construction Loans
- Refinance
- Customer Service
- Loan Origination
- Credit Analysis
- Sellers
- Home Equity Loans
- Team Leadership
- Organizational Effectiveness
- Credit
- Residential Mortgages
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