| Employer: | TruWest Credit Union |
| Job Location: |
Tempe - Maricopa County |
| Employment Type: | Full Time |
| Salary Range: | D.O.E |
| Benefits: | Lucrative compensation including 1st day benefits |
Description: |
| This position will be responsible for credit union wide oversight of real estate lending, and all initiatives to assure successful service delivery to our members, and strategy fulfillment. Position responsibilities include, but are not limited to underwriting, loan servicing, secondary market sales, product research and development, member service, loyalty delivery systems, staff development, staff motivation, education, training, performance management, quarterly product cost/benefit analysis, preparation of detailed reports for the Chief Lending Officer and related regulatory compliance. |
Duties: |
Individual must have demonstrated management skills in the area of staff development and motivation, mortgage business development, mortgage product development, management and directly supervising large work groups. Must be able to demonstrate ability to plan, coordinate and organize service delivery; establish goals and objectives while mentoring and developing staff. Effectively coordinate, organize and delegate work duties. Ability to establish and maintain effective working relationships with Senior management, other departments, outside service-related agencies and vendors. Must be eligible to register with the Nationwide Mortgage Licensing System & Registry (NMLS) and must maintain registration with NMLS as a registered Mortgage Loan Originator (MLO). Individual must have strong working knowledge of Federal and State Regulations governing real estate lending as well as knowledge of residential mortgage origination, underwriting and servicing. Additionally, this individual must have knowledge of conventional and/or conforming lending guidelines. The position requires intermediate knowledge of office products, including spreadsheet, word processing and presentation applications.
Essential Duties and Responsibilities
1. Monitor and direct all activities of the staff, process and Credit Union's Real Estate Lending Functions
2. Responsible for managing the real estate lending areas (mortgage loans and home equity), including development of new loan products and services required while conforming to compliance, secondary market and investor requirements.
3. Responsible for product(s) profitability.
4. Possesses broad functional knowledge, including excellent judgment and underwriting analysis skills. Review files for final underwriting decision and approval.
5. Responsible for mortgage origination, mortgage processing and underwriting
6. Responsible for vendor selection as well as contract review.
7. Provide leadership in loan origination and member service
8. Must be able to align key third parties to assist us in meeting or exceeding our lending goals and initiatives which are critical to credit union’s success
9. Align business goals with member needs, building and leveraging member relationships.
10. Implement enhancements designed to streamline processes and improve efficiency within the functional areas.
11. Gather, analyze and prepare sophisticated reports related to productivity and operational efficiencies.
12. Monitor work flow design and searches for efficiency enhancements
13. Keeps abreast of secondary market requirements, as well as changes affecting compliance and regulatory changes
14. Recommend changes which lead to enhanced productivity and competitive loan products/positioning
15. Instills mutual trust and confidence, creates a culture that fosters high standards of ethics, behaves in a fair and ethical manner toward others, and demonstrates a sense of corporate responsibility and commitment to community service.
16. Clear and concise business writing, effective presentation skills, and good listening skills. It also includes developing effective working relationships; fostering teamwork and building relationships
17. Standard BSA compliance requirement
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Qualifications: |
Education:
Bachelor’s Degree in Business related studies. A combination of education and exceptionally strong, directly related experience may be substituted.
This position requires a minimum of 5-7 years management experience in real estate lending, encompassing loan origination, underwriting and servicing.
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