College degree in finance, accounting, or related field, or equivalent experience.
Thorough knowledge of Credit Union loan products and standards.
Excellent understanding of mortgage lending regulations and legal requirements.
Strong accounting knowledge with proficiency in related computer applications.
Minimum five years of progressive experience in mortgage lending, including two years in a supervisory role.
Responsibilities
Plan, organize, and direct Real Estate Lending activities to maximize volume and minimize delinquency.
Train, direct, and appraise personnel while ensuring service and lending metrics are met.
Assist in developing short and long-term goals for the Mortgage Department and complete budgets.
Develop and review policies and procedures for loan activities to ensure efficiency and compliance.
Provide leadership through objective setting, delegation, and effective communication.
Identify training needs and conduct training sessions for staff.
Conduct performance appraisals and implement corrective actions as necessary.
Benefits
FREE health, dental, vision, and life insurance.
FREE short-term and long-term disability coverage.
Paid Time Off up to 3 weeks per year plus 13 paid holidays.
401(k) plans with employer match and tuition reimbursement.
Casual dress code and ongoing training opportunities.
Full Job Description
Real Estate Lending Manager located at our corporate office near Love Field Airport.
The Benefits of Working Here:
We work hard to ensure that our employees work in an environment of respect, trust, and fun! We are committed to helping our employees stay healthy, feel secure, grow and development, and maintain a work/life balance through our comprehensive benefit programs:
FREE health insurance
FREE dental insurance
FREE vision insurance
FREE life insurance
FREE short-term and long-term disability
FREE employee checking account
Paid Time Off up to 3 weeks per year
13 Paid Holidays (2 ½ weeks of more paid time off!)
Flexible Spending Accounts
401(k) plans with employer match
Tuition reimbursement
Casual dress code, every day!
Ongoing training through classroom and online formats
Employee recognition programs
Employee committees that promote culture, fun, and wellness
Monthly company-wide activities for our employees, like Baseball Day, Chocolate Chip Day, Summer Luau, Say Something Nice Day, Biggest Loser, and a Step Challenge
Responsibilities:
Responsible for planning, organizing, and directing Real Estate Lending activities including production, underwriting, servicing, loss mitigation, assistance with budgeting and accounting processes. Ensure that loan servicing operations are in accordance with established regulations, policies, procedures, and legal requirements, and result in maximum volume, appropriate profit, and minimum delinquency ratios.
Ensure that all subordinate areas of responsibility support Credit Union objectives and goals. Trains, directs, and appraises assigned personnel and implements corrective actions as necessary. Ensure that service and lending metric goals are met and service levels are provided professionally and efficiently, and that members' problems are resolved promptly. Performs other duties and responsibilities as assigned within the scope of the position.
Essential Functions & Basic Duties:
Lending authority; performs and assists with approvals and denials of home loan underwriting. Monitor pipeline performance. Provide guidance on complex loan scenarios, exception requests and underwriting related matters.
Assists the Director of Real Estate Lending in developing short and long-term goals and plans for the Mortgage Department. Assists in completing department budgets and provides monthly accounting and summary reports. Make suggestions and recommendations as appropriate.
Develop policies and procedures for loan activities. Conducts periodic reviews of existing systems and procedures to ensure maximum efficiency and legal compliance. Initiates improvements in lending and promotion practices which will further the objectives of the Credit Union.
Execute established operational goals and ensure that corporate-wide objectives are complemented and supported.
Provides leadership to personnel through effective objective setting, delegation, and communication. Conducts staff meetings as required and inform personnel of policy and procedure changes. Discuss areas needing improvement.
Ensures that personnel are well-trained, effective, and optimally used. Identifies training needs and develops appropriate training programs. Conducts training sessions and cross-trains as appropriate.
Ensure that staffing levels are appropriate.
Conducts performance appraisals as required. Formulates and implements corrective actions as needed. Sets individual goals with staff members to assist them in achieving their full potential. Recommend salary adjustments as appropriate.
Qualifications:
Education/Certification: College degree in finance, accounting, or a related area, or an equivalent combination of experience and training.
Required Knowledge: Thorough knowledge of Credit Union loan products and applicable policies and standards.
Excellent understanding of government regulations and legal requirements involving mortgage lending and servicing.
Strong knowledge of accounting and able to skillfully apply all related computer applications.
Experience required; at least five years of progressive experience in mortgage lending-related positions. At least two years of administrative and supervisory experience.
Skills/Abilities:
Strong leadership and team management skills
Strong project management skills
Well organized
Strong analytical and critical thinking skills
Ability to solve complex problems
Strong verbal and written communication skills
Manage priorities to meet established deadlines
Preferred Programs:
Competent in Microsoft Office
Competent in Microsoft Excel
D+H Mortgagebot
FICS Mortgage Servicer
Jack Henry Symitar
NContracts HMDA Relief
Familiar with FNMA & FHLB Underwriting/Selling and Servicing Guidelines
