Top Consumer Lending Executive jobs in Lexington, KY

Title: Director of Mortgage Lending

Department: Mortgage Operations

Reports to: Vice President, Lending

FLSA: Exempt

Job Grade: 16

Job Purpose: Oversee and lead the Mortgage Lending Department. Responsible for oversight of mortgage lending to ensure achievement of the credit union's objectives and strategies. This position will be primarily responsible for oversight of business development in mortgage lending and managing mortgage lending operations. Provides training, coaching, oversight and direction of mortgage loan origination, underwriting, processing, funding, post-closing, and servicing. Provides strong leadership in promoting teamwork, staff development, exceptional member service, and recognition of staff accomplishments.

Essential Job Results:

JOB SPECIFIC RESULTS

1. Responsible for execution of the Credit Union's overall direction and strategic initiatives for the Mortgage Lending Department.
2. Oversee all mortgage loan operations while ensuring adherence to consumer and mortgage laws, rules, and regulations.
3. Responsible for the sales and services activities of the Mortgage Loan Originators. Oversees all related processes, including tracking sales goals, progress toward objectives, and maintaining overall service levels for members. Coaches, motivates, and mentors Mortgage Loan Originators.
4. Oversees underwriting, processing, post-closing, and servicing of all mortgage loans in a manner that results in timely and accurate completion of duties. Coaches, motivates, and mentors operations staff.
5. Oversees processing, funding, and post-closing of all home equity loans in a manner that results in timely and accurate completion of duties. Coaches, motivates, and mentors operations staff.
6. Makes recommendations for changes to Mortgage and Consumer Lending policy. Oversees development and maintenance of procedures for Mortgage Lending. Responsible for training and communication of any changes.
7. Responsible for setting and monitoring progress on the budget for Mortgage Lending.
8. Maintains timely knowledge of mortgage lending regulations, laws, and market conditions to initiate changes necessary. Ensures protection of the credit union by maintaining compliance with laws and regulations.
9. Responsible for changes to current products and the creation of new products.
10. Responsible for providing training and continuing education to all employees in the Mortgage Lending Department.

GENERAL MANAGEMENT RESULTS

1. Maintains staff by recruiting, selecting, orienting and training employees, maintaining a safe and secure work environment, and developing personal growth opportunities.
2. Mentors staff by providing individual guidance and technical expertise.
3. Works with the risk management department to conduct random audits of employees' work.
4. Assists staff in accomplishing results and departmental goals by coaching, counseling and disciplining employees; communicating job expectations; effectively scheduling staff to meet the credit union's needs; planning, monitoring and appraising job results; conducting training; initiating, coordinating, implementing and enforcing systems, policies and procedures; and keeping supervisor updated on issues on a regular basis.
5. Assists staff in completing operations by developing schedules; assigning and monitoring work; gathering resources; implementing productivity standards; resolving operations problems; maintaining procedures; implementing new procedures; keeping supervisor informed of problems and solutions.
6. Maintains department policies and procedures by assessing practices, identifying strengths and weaknesses, and recommending changes to the supervisor.
7. Maintains operations by initiating, recommending, coordinating and enforcing operational and personnel policies and procedures; and coordinating, developing and maintaining comprehensive procedures for each position in the operational area of responsibility.
8. Manages diversity in the workplace by understanding, supporting and practicing equal employment opportunity regulations and participating in all mandatory training regarding this and related topics.

GENERAL STAFF RESULTS

1. Maintains member and employee confidence and protects operations by keeping information confidential and sharing on a business-related as-needed basis only.
2. Engages in problem resolution by clarifying the member's and/or employee's complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution; and keeping the supervisor informed of problems and solutions.
3. Complies with UKFCU policies and procedures by enforcing and adhering to internal UKFCU procedures and board-established policies.
4. Complies with federal, state and local regulations and legal requirements by enforcing and adhering to requirements.
5. Maintains professional and technical knowledge by maintaining an awareness of competitors' rates and terms, industry trends and technology; attending staff meetings; identifying opportunities to attend seminars that enhance skills and maintain knowledge of new products that could assist in improving operational effectiveness; reviewing professional publications; establishing personal networks; benchmarking state-of-the-art practices; and participating in professional societies.
6. Contributes to a team effort by accomplishing corporate and individual goals and other related results as needed.

KEY COMPETENCIES

• Professionalism in all communications.
• Commitment to the Credit Union movement and philosophy.
• Integrity in all actions.
• Ability to identify the needs of the member and provide services to meet those needs.
• Accountability to established metrics and performance goals.

MINIMUM REQUIREMENTS

• Seven to ten years of similar or related experience preferred
• Bachelor's degree or equivalent experience.
• Ability to communicate with others one-on-one and in groups, fielding questions and responding to complaints.
• Ability to work with other employees.
• Strong attention to detail required.
• Ability to motivate and influence others, foster sound relationships, present a trustworthy and diplomatic image, and deal effectively with others concerning topics of a personal or sensitive nature.
• Ability to define problems, collect data, establish facts and draw conclusions while dealing with a variety of abstract and concrete variables.
• Ability to write reports, correspondence, policies and procedures.
• Ability to work independently.
• Ability to be self-motivated.
• Ability to work with strict deadlines and under pressure.

PHYSICAL DEMANDS:

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 and stand; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and talk or hear. The employee frequently is required to walk and stand. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee will be required to work indoors in a climate controlled office setting. The noise level in the work environment is usually moderate

MENTAL DEMANDS:

The mental characteristics necessary to competently perform this job include the occasional need to be persuasive, use good judgment; and, the continuous need to use auditory perception, memory, and reasoning ability.

*The intent of this job description is to provide a representative summary of the types of results that will be required of the positions given this title, and shall not be construed as a declaration of the specific responsibilities of any particular position. Employees may be requested to perform job-related tasks other than those specifically outlined in this description.

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UKFCU is an equal employment opportunity employer and is committed to providing employment opportunities to minorities, females, veterans, and disabled individuals. UKFCU invites you to review the current "EEO Is the Law" poster as part of the application process. A link to the most current posters is here. Please also see the 2015 Supplemental EEO Poster here.

Applications are only accepted through our online application system. However, if you need assistance with any part of the application process or are unable to apply online because of a medical condition or disability and need an accommodation, please contact to let us know the nature of your request. Please note, UKFCU accepts only employment applications that are complete and received by the Office of Human Resources by the specified deadline for each opening.

The Credit Union leadership recognizes that to achieve its vision and mission, it must embed the values of Diversity, Equity, and Inclusion (DEI) in all aspects of the Credit Union's work. Together, the staff, membership and communities are diverse and as such, the Credit Union must reflect and respect that diversity. The Credit Union's leadership recognizes and believes when an organization's leadership and staff are representative of the people that it serves, it can better meet its vision and mission. Further, the Credit Union leadership believes that it benefits when diverse perspectives are represented, respected and included among the discourse and decision-making that takes place at the Credit Union, and with and among its staff, membership and communities.

This position requires on-site work in Lexington, KY.