Bay Federal Credit Union Promotes Sean Carter to Assistant Vice President, Mortgage Lending Operations
Capitola, CA – May 1, 2025 – Bay Federal Credit Union is pleased to announce the promotion of Sean Carter to Assistant Vice President, Mortgage Lending Operations. In this new role, Mr. Carter will oversee the underwriting, processing, and funding of first and second mortgages, including Home Equity Lines of Credit (HELOCs). He will also manage the daily mortgage loan pipeline, support staff development through training and coaching, and ensure a high level of service for members at every stage of the mortgage process.
Mr. Carter brings over two decades of experience in the mortgage industry to this leadership position. Before joining Bay Federal in 2022 as Mortgage Operations Manager, he held various positions in sales, processing, and underwriting at Bank of America, Wells Fargo, and SAFE Credit Union. His comprehensive understanding of mortgage lending and commitment to operational excellence have made him a valued leader within the organization.
Mr. Carter holds a bachelor’s degree in business management and a California Real Estate License. He is enrolled in the Western CUNA Management School, class of 2026, to further expand his credit union leadership expertise.
Outside of the office, Mr. Carter enjoys playing tennis, backpacking in the Desolation Wilderness, and spending quality time with his family.
Reflecting on his new role, Mr. Carter said, “This role offers a new opportunity to further support Bay Federal’s mission of making homeownership a reality for more people in our community. My goal is to create a mortgage experience that’s not only smooth and efficient, but also personal, thoughtful, and supportive every step of the way.”
About Bay Federal Credit Union:
Bay Federal Credit Union is a full-service, not-for-profit financial institution that serves over 90,000 members and 2,700 local businesses and non-profit organizations throughout Santa Cruz, San Benito, and Monterey counties. With more than $1.6 billion in assets, Bay Federal is the largest member-owned financial institution in the region. The organization has been proudly serving its members and the community since 1957. Bay Federal is a certified Community Development Financial Institution, with a primary mission of promoting community development alongside their financial activities. Bay Federal has an award-winning employee volunteer program in which employees donate their own money and volunteer for numerous local schools, nonprofit organizations, and community events each year.
Contact: Michael Atkinson, AVP, Marketing
Bay Federal Credit Union
831.477.8571
matkinson@bayfed.com
