Mortgage Lending Manager

MORTGAGE LENDING MANAGER

Company: Redwood Credit Union

Location: Napa, CA

Join to apply for the Mortgage Lending Manager role at Redwood Credit Union. Redwood Credit Union is seeking a Mortgage Lending Manager to strategically plan, implement, lead, and evaluate Redwood Credit Union’s residential mortgage lending channels with a focus on providing excellent Member service and sound lending growth through sales efforts while also satisfying risk/return objectives set by RCU’s Asset/Liability Committee (ALCO) and its Credit Risk Management Committee.

The position will have departmental oversight which includes underwriting, loan processing, loan closing/funding, mortgage compliance and internal home loan origination teams.

• Responsible for the total Member experience in all mortgage lending programs, while managing the day-to-day lending operations through direct reporting assistant managers.
• Drive maximum lending performance by synthesizing and analyzing information and recommending opportunities for current and future growth.
• Maximize production efficiencies and resolve problems through analysis of data, identification of root cause(s), evaluation of options, rendering of decisions and implementation of action.
• Supervise staff: goals, training, resources, support, feedback, and accountability. Promote team member contributions and job satisfaction by providing development opportunities, a cooperative working environment, and strengthening working relationships.
• Communicate with the Leadership Team and department staff regarding all aspects of mortgage lending opportunities, operations, procedures, policies and strategies.
• Further RCU lending presence by building external relationships by participating in and representing RCU at internal and external events, conferences, and community functions.
• As a member of the Leadership Team, attend and contribute to meetings, planning sessions, strategic initiative committee discussions, etc. as appropriate.
• Establish and maintain credibility throughout RCU by being an effective listener and problem solver for team members on all lending related issues.
• Program management:
  Ensure compliance with pertinent government rules and regulations.
• Evaluate and adjust mortgage lending procedures, underwriting criteria, documents and forms to ensure efficiency, compliance, and quality.
• Further achievement of mortgage lending goals by directing strategic and operational activities including origination, processing, underwriting, closing and secondary marketing, while also actively seeking ways to change and improve business units going forward.
• Actively partner with peers across Redwood Credit Union to integrate mortgage lending into referral activity across departments.
• Optimize origination efforts through a variety of distribution channels including an inbound call center, internal loan officer(s), and direct lending through the RCU branches.
• Assure timely and quality completion of strategic objectives by defining priorities, assigning key tasks, measuring results, and following through to ensure accountability.
• Assist in developing and implementing portfolio management and risk management strategies including overseeing quarterly Portfolio Reviews that reduce risk to appropriate levels for RCU while also being sensitive to individual Member needs.
• Partner with vendor management for all Mortgage related vendors, and work with outside vendors (AMCs, title and escrow companies, attorneys, credit vendors, creditors) to ensure a partnership that results in efficient and effective productivity.
• Control:
  Decision loans as required by lending authority and recommend/manage lending authority for team members.
• Through loan audits and quality control reviews, ensure loans are originated within RCU and current investor standards.
• Prepare weekly Status Reports for the VP, Mortgage Lending.
• Ensure compliance with budget by monitoring activities and reporting deviations.
• Plan:
  Recommend short-and long‑term goals, strategies, objectives, and loan programs for all mortgage lending activities.
• Develop and implement loan‑pricing and portfolio management strategies that will meet…