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Manager, Mortgage Lending Member Experience

Manager, Mortgage Lending Member Experience

Redwood Credit UnionNapa, CA, United States
8 hours ago
Job type
  • Full-time
Job description

Redwood Credit Union is seeking a Manager, Mortgage Lending Manager to strategically plan, implement, lead, and evaluate Redwood Credit Unions (RCU) 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 RCUs Asset / Liability Committee (ALCO) and its Credit Risk Management Committee. this position will have departmental oversight which includes underwriting, loan processing, loan closing / funding, mortgage compliance and internal home loan originations teams.

Leadership and Management :

  • 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.
  • Controlling

  • 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.
  • Planning :

  • 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 or exceed return on equity targets while providing targeted loan growth.
  • Develop mortgage lending promotional programs for internal Loan Officers in coordination with the Marketing Department, e.g. flyers, email and printed advertisements.
  • Develop and execute plans to develop mortgage lending opportunities by establishing direct relationships with realtors, vendors, and other influencers throughout RCUs field of Membership.
  • Non-Essential Functions :

  • Provide general training to RCU staff not in lending.
  • Participate in community events, community volunteer boards & associations.
  • Perform other duties as assigned.

    SUPERVISORY RESPONSIBILITIES :

  • Assistant Manager(s), Mortgage Lending Member Experience
  • Assistant Manager(s), Mortgage Lending Operations
  • Mortgage Compliance / Quality Control Specialist
  • Join us and discover why youll love working at Redwood Credit Union!

    ABOUT REDWOOD CREDIT UNION (RCU) :

    At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad.

    As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all.

    Why work for Redwood Credit Union?

  • 29th largest credit union in the U.S. and the largest financial institution based in the North Bay
  • Awarded a 5-Star Rating based on 6 / 30 / 24 financial data by Bauer Financial
  • Recognized by Newsweek as one of "Americas Greatest Midsize Workplaces 2025"
  • Recognized by Newsweek as one of "Americas Best Credit Unions 2024"
  • Recognized by Forbes as one of "Americas Best Small Employers 2023"
  • Voted Best Places to Work in the North Bay 20 years in a row
  • World-class Employee Engagement scores
  • Rated Superior in Service by more than 90% of Members, surveyed by SF Gate
  • Industry leading Net Promoter Scores across the U.S.
  • MINIMUM QUALIFICATIONS :

    Knowledge, Skills and Abilities

  • Strong communication and presentation skills.
  • Excellent interpersonal skills, as well as the ability to maintain credibility and engender trust.
  • Thorough knowledge of all aspects of financial institution mortgage lending methods, practices and services, economics and credit dynamics, as well as laws, rules, and regulations.
  • Exceptional management skills.
  • Strong negotiation skills.
  • Skill in the operation of a personal computer and word processing, spreadsheet and presentation software.
  • Ability to analyze problems and opportunities, identify and evaluate alternatives, and develop effective approaches.
  • Ability to plan, implement, and evaluate the achievement of goals, objectives, and work plans.
  • Ability to lead, motivate, and supervise team members.
  • Ability to establish and maintain effective working relationships with a diverse group of people including Board Members, regulators, Members, team members, attorneys, vendors, and other parties.
  • Ability to travel 20% of time.
  • Licenses and Certifications

  • Ability to obtain and maintain registration with the National Mortgage Licensing System and Registry in compliance with the requirements of Federal Law, including the SAFE ACT and NCUA part 76.
  • Compensation : Base starting range : $137,000 to $ 151,000 annually commensurate with experience.

    Our base salary starting range is based on scope and responsibilities of the position, candidates work experience, education / training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

    Redwood Credit Union offers a robust benefits package to our eligible employees including :

  • Competitive medical, dental, and vision insurance, mental health offerings
  • Employee performance incentive plan
  • Salary Advancement- Merit increase based on performance
  • 401(k) program with employer match
  • Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!
  • RCU Discounts and Perks :

  • RCU employees are eligible for a .75% discount off RCU standard collateral auto loans
  • RCU employees are eligible for a 1% discount on all recreational or boat loan products
  • 2% discount off Visas and LOC Loans through RCU
  • 0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.
  • 0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.
  • 0% interest on garment, fitness, or home office equipment loan of up to $500
  • 100% financing for employee purchased homes!
  • Physical Requirements :

  • Ability to stand, bend, stoop, sit, walk, twist, and turn.
  • Ability to lift up to 15 pounds.
  • Ability to use a computer keyboard and calculator.
  • Work environment is indoors; majority of the time is spent sitting at a desk.
  • Redwood Credit Union is not offering Visa transfers and / or sponsorships for this position.
  • Internal Team Members : If you are a current Team Member, please apply through the internal careers page located in RCUNET.

    We are an Equal Opportunity Employer

    PDN-a0541b8c-1a4a-4e24-803e-163ec38f2778

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    Manager Member Experience • Napa, CA, United States

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