Mortgage Lending Manager

JOB REQUIREMENTS: 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 nd 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. \*\*\*\*\* OTHER EXPERIENCE AND QUALIFICATIONS: Five years of

Previous Real Estate Lending And Management Experience Preferred.

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. 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. Basic 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. \*\*\*\*\* APPLICATION INSTRUCTIONS: Apply Online:

https://recruiting.paylocity.com/recruiting/jobs/All/b9944418-e383-4000-853f-3d5b60a36394/Westby-Coop-Credit-Union