Construction Perm Team Lead

Company: VyStar Credit Union
Location: Jacksonville
Posted on: April 5, 2026

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. Construction Perm Team Lead Accountability Statement The Construction Perm Team Lead supports the residential construction to permanent lending activity at VyStar Credit Union. This role serves as a subject matter expert, providing high level guidance, technical support, and coordination across all stages of the construction perm process—from builder approval through conversion to permanent financing. The Team Lead works collaboratively with Mortgage Sales, Fulfillment, Servicing, and Lending partners to help the Construction Perm team achieve established goals. This position does not oversee or manage staff, but rather supports team members through mentoring, training, coaching, and problem solving assistance, promoting a positive and collaborative work environment. The incumbent ensures members and builders experience high quality service by supporting adherence to VyStar mortgage lending policies, procedures, and regulatory requirements. This role requires deep knowledge of construction to perm loans, land loans, and associated regulations. Essential Job Functions Supports the day?to?day functions within the construction perm lending process and provides guidance to staff handling complex or unusual transactions. Serves as a subject?matter expert across the residential construction perm lending space. Assists team members in ensuring proper loan-level documentation is obtained and complies with VyStar policies, procedures, and regulatory guidelines. Provides ongoing training and support to assess member and builder needs and improve team proficiency. Helps analyze financial condition and risk for construction financing requests within policy. Monitors industry advancements and shares insights to help keep VyStar competitive. Supports coordination with the VP, Construction Loan Administration and Loss Mitigation on builder and borrower software, including implementation, setup, workflow, and compliance checkpoints. Participates in special projects, procedure updates, workflow coordination, technical guidance, and quality review activities. Builds and maintains positive working relationships with members, builders, and internal partners. Communicates proactively and implements processes to ensure construction projects stay on schedule and align with timing gates. Assists with reviewing builder draw requests, cost breakdowns, draw conditions, and required documentation. Supports inspection coordination and invoice submission processes. Helps track receipt of member documentation and ensures required release documents are properly obtained. Assists in requesting and reviewing Title updates and Final Title Policies. Supports the timely and accurate processing of builder and borrower disbursements. Monitors interest payments for accuracy and works with team members to resolve discrepancies. Helps monitor insurance expirations and supports follow?up for required updates. Assists with preparation and review of loan modification agreements and closing orders. Works closely with Servicing Management to help resolve construction?related inquiries. Supports communication with members regarding documentation and funds for conversion to permanent financing. Maintains strong knowledge of mortgage lending processes from origination through servicing. Participates in cross?training and supports department needs across Real Estate Lending and Loan Administration. Helps maintain the procedures manual for construction perm lending. Provides mentoring, coaching, and support to team members to encourage their professional growth. Partners with Sales for prospecting activities and technical training support. Helps identify process improvements and efficiency opportunities within Construction Perm lending. Upholds VyStar core values and Excellence standards in interactions with every member, employee, and vendor. Supports achievement of mortgage department and credit union goals through proactive engagement. Helps identify and escalate operational, compliance, and credit risks as part of the first line of defense. Performs other duties 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. Knowledge, Skills & Abilities Strong communication skills and ability to support, mentor, and train team members. Must demonstrate initiative, professionalism, and the ability to work independently. Proficient in Fannie Mae guidelines, construction?to?perm financing, private mortgage insurance, servicing, and secondary market requirements. Track record of strong member interaction and service delivery. Ability to effectively interface with members, builders, realtors, and internal partners. Commitment to ongoing education through conferences, workshops, and relevant associations. Education Bachelor’s degree in a business?related field preferred (experience may be substituted 2:1). Must meet and maintain NMLS requirements per SAFE Act standards. Experience Minimum of 3 -5 years prior experience in the mortgage industry specific to Construction Perm Lending proven production and proven track record in heavy member contact. 2 years of Construction to Perm experience required. Certifications Must meet and maintain all requirements of a registered mortgage loan originator with the Nationwide Mortgage Licensing System (NMLS). 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, Gainesville , Construction Perm Team Lead, Accounting, Auditing , Jacksonville, Florida