Mortgage Lending Manager

This position is limited remote, working 3 days per week in any WCCU branch with space.

In order to be considered for this position, you MUST apply on Paylocity at the following link: https://recruiting.paylocity.com/recruiting/jobs/All/b9944418-e383-4000-853f-3d5b60a36394/Westby-Coop-Credit-Union.

The Mortgage Lending Manager manages a team of mortgage loan officers in developing member relationships, promoting mortgage loan products and other credit unions products and services. This manager will be responsible for day-to-day operations of the mortgage team from pipeline management, assisting with complex files, coaching, and training staff. This position will also collaborate with our Mortgage Operations Manager to create efficiencies and streamline lending processes. This leader will be responsible for working on compliance and regulations with the Mortgage Operations Manager to comply with changing regulations that impact the mortgage loan officers. This person will be responsible for collaborating with other departments to help create organizational growth, efficiencies, and best member service.

Principal Duties and Responsibilities:

• Lead and manage a team of mortgage loan officers to build mortgage loans, deposits, and other credit union products and services.
• Oversee production goals to achieve strategic growth through referrals and other opportunities.
• Direct loan flow and workload among mortgage lending staff.
• Maintain strong knowledge of credit union policies, procedures, and services; collaborate with other departments on regulatory or operational updates.
• Maintain an active NMLS number per SAFE Act requirements.
• Manage a mortgage loan portfolio by building strong relationships, negotiating, and structuring loans to meet borrower needs while adhering to regulations.
• Assist members with loan questions, rates, products, and programs, document contacts, solutions, and timelines.
• Originate and underwrite mortgages when needed, including interviews, counseling, and guiding applicants through the process.
• Collaborate with marketing and retail departments to promote mortgage lending growth and cross-department initiatives.
• Monitor real estate loan collections with the Member Solutions/Risk Department; review delinquencies and assist with resolution planning.
• Serve as primary or backup administrator for origination/servicing software and related websites; ensure mortgage website content is current.
• Prepare, respond to, and train staff on audit findings from investors, auditors, examiners, and internal reviews.
• Review and help implement projects related to the Mortgage Loan Department.
• Prepare annual budgets, reports, reviews, and investor filings.
• Participate in credit union committees and meetings as assigned.
• Solicit real estate loan business through credit union and personal marketing activities; represent the credit union in community, trade, and civic organizations; develop professional relationships with vendors and service providers.

Managerial Responsibilities:

• Supervises and coordinates activities of employees engaged in the credit union’s mortgage lending functions.
• Utilize Integrity Coaching to provide consistent coaching, development, and performance review. Also provide continuous feedback and reinforcement of policies and procedures.
• Travel to branch locations to work with staff for training purposes as well as following procedures & remaining compliant with regulatory updates.
• Plans, prepares, and schedules staff, according to budgets and workloads to maintain proper staffing & ensure smooth daily operations.
• Maintains a highly motivated, well-trained staff and establishes effective employee relations.
• In cooperation with your leader (and in consultation with Human Resources), take responsibility for hiring, training, coaching, and discharging of staff.
• Welcomes new staff members to the department.
• Develop & maintain a budget.
• Ensures each staff member receives proper orientation, training, coaching and cross-training to ensure quality service.
• Communicates with other departments and management to resolve problems and expedite work.
• Interprets and communicates work procedures and company policies to staff.
• Resolves complaints and answers questions of others regarding services and procedures.
• Develops & maintains constructive and cooperative working relationships with others.
• Reviews and checks work of staff for accuracy and content. Provides additional training where needed.
• Makes recommendations to management concerning staff and improvement of procedures.
• Requisitions supplies as needed for the department.
• Assists staff in handling complex situations.
• Schedules and facilitates regular staff meetings.
• Ensures that the appearance of the department is neat, organized, and in accordance with Credit Union policy.
• Ensures that all confidential records in the work area are properly secured each day.

Work Relationships and Scope: Reports directly to the Vice President of Mortgage & Lending Services. Will have regular contact with management, vendors, members and employees of the lending department.

Performance Dimensions:

• Must maintain the integrity of confidential business information and follow all guidelines on confidentiality.
• Provide outstanding services to co-workers & members.
• Possess the ability to attend to numerous details with frequent interruptions under the stress of maintaining courteous, effective, and timely relations with a variety of individuals and personalities.
• Promotes quality, accuracy, timeliness, reliability, and thoroughness of work performed.
• Is punctual, flexible, reliable, and demonstrates a friendly and helpful attitude.
• Possess ability to gain the trust and respect of members, management, and employees. Also maintains a positive, professional, team-oriented working relationship with staff and outside vendors.
• Enhance job growth through continuing education, as required or necessary.

Knowledge, Skills and Abilities Required:

Education/Experience:

• Bachelor’s degree in business or a related field preferred. An equivalent combination of education and experience may be substituted.
• Five years of previous real estate lending and management experience preferred.

Skills and Abilities:

• Demonstrates proficiency in intermediate mathematical calculations, including interest rate analysis.
• Skilled in retrieving and entering data within loan systems and credit bureau platforms.
• Maintains strict confidentiality of sensitive member information with exceptional attention to detail.
• Engages professionally with diverse personalities and effectively manages challenging member interactions.
• Possesses strong understanding of the financial and operational requirements of a Credit Union.
• Upholds a professional demeanor and appearance at all times.
• Exhibits excellent interpersonal and verbal communication skills.
• Remains knowledgeable of federal and state regulations governing depositor and lending practices.
• Capable of drafting clear, accurate correspondence and reports
• Ability to work with a wide range of personalities in a courteous, effective, and efficient manner.
• Ability to attend to numerous details, with frequent interruptions, under the stress of maintaining courteous, accurate and timely relations with a variety of individuals.
• Knowledge and ability to apply current financial service industry standards, laws, and regulations.
• Ability to present ideas, report facts and other information clearly and concisely.
• Proficient knowledge of the Microsoft Suite (Outlook, Word, Excel, PowerPoint).
• Proficient operation of a variety of general office equipment such as a computer, software applications, typewriter, copier, calculator, telephone, copy machine, fax machine and other similar devices or programs related to the position.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Parental leave
• Referral program
• Retirement plan
• Vision insurance

Work Location: In person