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Director of Real Estate Lending America's Credit Union - 3.2 Garland, TX Job Details Full-time 6 hours ago Qualifications Mortgage compliance Regulatory compliance analysis Legal compliance Team motivation (leadership skill)

Full Job Description Description:

Responsible for the leadership, growth, and overall performance of the Real Estate Lending Department. This position leads the day-to-day operations of the department and implements the credit union's mortgage lending strategy to achieve loan production, profitability, operational excellence, risk management, regulatory compliance, and an exceptional member experience. The Director ensures departmental goals and initiatives support the credit union's overall strategic objectives while effectively leading, developing, and managing mortgage lending staff.

Requirements:

Essential Functions & Responsibilities:

Lead the execution and performance of the real estate lending portfolio, including achievement of production and profitability goals, monitoring portfolio performance and trends, and implementing initiatives to support sustainable growth. Regularly report results, trends, and recommendations to executive leadership. Oversee and evaluate products and procedures currently in place and implement changes as needed. Ensure full regulatory compliance and risk management, including adherence to all federal and state mortgage regulations. Develop and execute business development initiatives to increase mortgage production, including establishing and maintaining relationships with real estate agents, builders, and community organizations. Represent the credit union in the market as the face of real estate lending. Serve as the secondary mortgage underwriter and senior lending resource, providing underwriting support and ensuring continuity of operations during periods of increased loan volume, employee absences, or other high-demand situations.

Performance Measurements:

1. Ensure the department is providing professional, timely, personal service to all members and associates, by responding to all messages and correspondence within 2 hours. Develop and maintain a highly qualified staff possessing knowledge of all mortgage products and rates both with the credit union and the industry as a whole, sufficient to meet the daily lending demands for members. Ensure all mortgage lending activity is in compliance with established policies. procedures, rules and regulations. Keep management informed regarding key operational issues affecting the department. Note observations of employee performance. Give and receive feedback from employees on the same no later than 5 working days following each quarter, completing performance reviews within the prescribed timeframe.

Knowledge and Skills:

Experience Eight to ten years of similar or related experience. Education (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree). Interpersonal Skills Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Other Skills 1. Knowledge of the secondary market and experience with first and second mortgage residential real estate lending. 2. Must have working knowledge of regulations affecting mortgage lending. 3. Must have good communication and management skills. Physical Requirements The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit; use hands and/or fingers; and talk or hear. The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, or kneel. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.