What You'll Do
In this role, you will receive, review, and evaluate mortgage loan requests. You will meet with applicants to explain credit policies, take applications, and gather the loan information and documentation needed to move each request forward. You will discuss loan alternatives, credit criteria, interest rates, and documentation in a way that earns members' confidence, then analyze each request and prepare written submissions for the Mortgage Loan Committee. When credit concerns arise, you will coordinate with the right parties to resolve them, and you will assist with loan processing and closing, conduct mortgage application reviews as assigned, and follow up on all matured loans. All lending work is completed in accordance with Credit Union policies and legal requirements.
You will also direct and administer the operational efforts of the Branch, making sure established policies and procedures are followed and that members and prospective members receive a full range of services promptly and professionally. You will manage branch expenses and pursue cost-saving measures, ensure branch security, and continually look for ways to improve branch operations and productivity to meet established goals. You will oversee all branch lending, delegating most consumer lending to the Operations Manager.
As a leader, you will train, direct, and supervise Branch staff by supervising and coaching the Operations Manager and, through that role, the branch team. You will guide goal setting and the achievement of branch objectives, hold regular meetings with the branch leadership team, and determine appropriate staffing levels so that people are used effectively. You will oversee individual accountability and periodic audits, help resolve problems as they come up, maintain the quality of branch work, and cross-sell Credit Union services. You will also stay informed about changes in lending standards and related legal requirements.
Finally, you will build and maintain strong, professional relationships with members, trade professionals, and fellow Credit Union personnel. You will answer questions, resolve requests, and keep borrowers informed of Credit Union loan policies and services while projecting the Credit Union's professional reputation. You will coordinate with related departments and branches, support the Mortgage department, keep management informed of branch activity and any significant problems, and attend and participate in meetings and committees as required, including serving as a member of the Mortgage Loan Committee. You will complete required reports and records, work a regular and predictable schedule, and be sufficiently fluent in English to process work and business transactions. Other related duties may be assigned as needed.
Who You Are
You hold a bachelor's degree in business or a related field or have an equivalent combination of training and work experience. You bring three to five years of lending and management experience, and mortgage lending, real estate, and origination backgrounds are preferred. You have working knowledge of Credit Union lending and collections programs, branch policies, and procedures, and you are familiar with all Credit Union products as well as property management and maintenance procedures. You understand financial analysis and how to determine creditworthiness, along with leadership functions and appropriate task delegation.
You are an excellent communicator with strong public relations skills, and you pair solid interviewing skills with strong analytical abilities. You have strong interpersonal, leadership, and supervisory skills, and you can maintain an effective and efficient workflow. You are comfortable using a financial calculator and related computer applications and business machines.
What Success Looks Like
You perform lending and related collections functions effectively, in accordance with established Credit Union policies and with legal and regulatory requirements. You closely and effectively analyze and evaluate loan applications, keep lending practices "safe and sound," and ensure loan documentation, records, and reports are accurate, timely, and complete. You can produce between $1M and $5M annually in new and refinanced mortgage loans.
You build professional business relations with members and trade professionals, promptly and courteously resolving questions and problems and thoroughly explaining programs and services. You maintain good working relationships with Credit Union management and with Branch personnel, providing assistance as needed, keeping management appropriately informed of area activities and any significant problems, and offering suggestions to improve the efficiency and effectiveness of branch performance. You make sure branch procedures are in line with Credit Union standards, that Branch personnel are well trained and efficient in their positions, and that branch loan, deposit, growth, and service goals are established and achieved in coordination with management and Credit Union standards.
Compensation
Compensation will be based on experience, qualifications, and market alignment. The total package includes a competitive base salary, annual incentive opportunity tied to personal and organizational performance, and comprehensive benefits consistent with UCCU's commitment to its employees.
