Home Loan Center Operations Manager

Description

Department: Home Loan Center

Exempt, Range 15

Report To: AVP Home Loan Center

SUMMARY:

With the goal of enhancing lives, fulfilling dreams and building communities this position is responsible for leadership and prudent management of the credit union’s home loan process and products. Leads the organization in evaluating and responding to changes in regulatory, market and competitive conditions. Plans, organizes, and directs the department’s activities specifically the operations team, e.g., appraisal, processing, underwriting, closing, post-closing, servicing and secondary market.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Contributes to the organizations mission statement and goals by providing the highest quality of service, treating each person professionally, with warmth, courtesy and respect, cross-selling additional services, and making a personal effort to make members feel they belong and are important to Numerica.
• Oversees and maintains Home Loan Center adherence to all BSA regulations and compliance standards, on internal and external policies (personally as well as the department staff).
• Acts as product expert for Home Loan offerings. This includes: understanding of and the development NCU policies; current mortgage regulatory environment; maintains appropriate internal and external relationships; is responsible for ensuring that all necessary NCU employees are trained
• Oversees the mortgage production process.
• Supervises the Processing and Closing Team. Responsible for staff productivity standards and tracking production, monitoring quantity and quality of work. Implement training or other action to ensure productivity standards are met. Develop contingency plans to provide for rapidly scaling up or down depending on business needs.
• Insures quality control related to the mortgages processed by the department by establishing monitoring processes and reports at the individual, team and department level.
• Develops department training materials and procedures as needed.
• Maintain Wire Approval Authority and ensure HLC meets daily funding needs for loan fundings and approvals.
• Manages, in coordination with the AVP of the Home Loan Center, the financial aspects of home lending specific to the pipeline of loans in process to minimize time from application to closing, maximizing close ratios and service to members
• Moves Numerica toward its goal of recognition as a premier mortgage lender in our marketplace. Participates with the VP of HLC and other members of credit union management team to help establish and meet mortgage loan production goals.
• Maintains knowledge and adheres to all BSA regulations and compliance standards on internal and external policies.
• Effectively incorporates concepts of CARES Principles in daily behaviors and interactions:?

Connect – Create a welcoming, energized, and warm environment

Ask – Discover and confirm others’ needs to ensure they feel understood and known

Resolve – Take personal and full responsibility for meeting others’ needs

Elevate – Commit to long-term personal and organizational growth and improvement

Strengthen – Invest in our Numerica community and beyond.

SUPERVISORY RESPONSIBILITIES:

Supervises processing and closing employees in the Home Loan Center. Contributes to the organization's mission statement and goals by providing the highest quality of service, treating each person professionally - with warmth, courtesy, and respect, and making a personal effort to make members feel they belong and are important to the credit union.

PERFORMANCE STANDARDS:

Contributes to the organization's mission statement and goals by providing the highest quality of service, treating each person professionally - with warmth, courtesy, and respect, and making a personal effort to make members feel they belong and are important to the credit union.

EDUCATION and/or EXPERIENCE:

Bachelor’s degree in credit management plus five to eight years’ experience in mortgage operations, and/or credit and collections at a senior management level for a credit union, bank, savings & loan or mortgage broker; or equivalent combination of formal training or experience.

CERTIFICATES, LICENSES, REGISTRATIONS:

May require Notary Public certificate to execute documents on behalf of members and the credit union. Real Estate Appraiser Certificate preferred. Must be eligible to be registered as a loan originator with the appropriate state agency.

FHA DE Certifications or VA LAPP Certification preferred.

SKILLS and ABILITIES:

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to write reports, business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, the Board of Directors, and individual members. Occasionally may need to make formal presentations on credit to groups outside of the credit union, such as Chapter Meetings, schools, and dept counseling sessions.

The ability to motivate and influence others is a material part of the job, requiring a significant level of leadership, clarity, diplomacy and trust. Obtaining commitment and cooperation, both internally and externally, is an important part of the job.

Demonstrated PC skills, including Microsoft Office Suite, access the credit union’s accounting system and member account information. Basic input, output, error correction, general ledger account structure knowledge essential to be able to perform the job. Ability to use and direct department usage of credit union mortgage loan processing platform. Spreadsheet application knowledge desirable, but not essential. Discretion in decision-making and sound judgment in problem solving. Solid time management skills with ability to organize, prioritize, and perform multiple tasks simultaneously. Ability to adapt to change within working responsibilities, be it internal, market or regulatory driven. Additional hours as necessary to accomplish objectives, goals and projects. Ability to lift up to 25lbs.

Disclaimer: The job description does not imply an employment contract, nor is it intended to include every duty, task or instruction for which the employee is responsible. Other tasks may be assigned, based on business need and at Management’s request.

Numerica Credit Union Benefits and Perks -

Learn more about our Benefits and Perks here- https://www.numericacu.com/globalassets/images/pdfs/employee-benefits-summary-numerica.pdf

Requirements

Numerica Credit Union is an Equal Opportunity/Affirmative Action Employer

Numerica Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for purposes of participating in the application/hiring process with Numerica Credit Union. If you are unable or limited in your ability to use or access Numerica Credit Union’s career page at www.numericacu.com as a result of your disability, you can request reasonable accommodations by calling (509) 385-1660.