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WCCU Credit Union

VP of Mortgage & Lending Services

WCCU Credit Union, Baraboo, Wisconsin, United States, 53913

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VP of Mortgage & Lending Services

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WCCU Credit Union JOB REQUIREMENTS: The Vice President of Mortgage & Lending Services will

be responsible for oversight, leadership and driving the strategic

direction of the mortgage lending and consumer operations departments.

This position will play a critical role in enhancing our lending

portfolio, building relationships with members and other stakeholders,

and ensuring compliance with regulatory requirements. They also will

work closely with senior management to align the lending function with

the overall strategic goals of the credit union and drive growth in the

mortgage and consumer loan portfolios. Principal Duties and

Responsibilities: Implement the strategic direction for mortgage and

consumer lending operations related activities in conjunction with

strategic growth and financial profitability plans developed by

executive management team by translating business strategies into

workable operational tactics and activities. Responsible for the overall

direction, coordination, and evaluation of all mortgage lending and

consumer lending operations within the credit union. Overseeing the

organizing, planning and delegation of day-to-day operations for the

organization and playing a crucial role in all aspects of the mortgage

lending growth and operations. Responsible for maintaining and

developing policies and procedures to comply with all state and federal

regulations as well as secondary market lending while also ensuring the

policies and procedures facilitate efficient and effective business

practices. Manage product implementation, administration, and growth of

department. Oversight of loan operations and configuration of loan

systems. Responsible for the origination, underwriting, closing,

funding, and servicing processes/functions. Working with internal and

external auditors on reviews of the direct, indirect and mortgage

portfolios. Analyze loan portfolio data to determine the impact on

financial decisions, results, and the level of success, compare activity

with predetermined objectives and initiates the revised processes

required to continuously improve lending productivity, efficiency, and

profitability. Recommends service and product enhancements to maximize

lending production and efficiency. Develops and manages the risk-based

lending program and underwriting standards consistent with credit unions

risk tolerance. Work with marketing and member service teams to promote

lending products effectively. Ensure exceptional member service in all

lending operations by streamlining processes and reducing turnaround

times. Works with collections on member delinquency, trends and changing

regulations. Approve or deny loans for consumer or mortgage that are

processed by lenders based on credit worthiness of the applicant.

Prepare monthly lending reports for Chief Lending Officer to summarize

WCCU lending activities for the month. Oversee the relationship with

third party for sale of WCCU lending protection products to members and

additional implementation of secondary products to members. Managerial

Responsibilities: Supervises and coordinates activities of employees

engaged in the credit union\'s consumer and mortgage lending functions.

Utilize Integrity Coaching to provide consistent coaching, development,

and performance review. Also provide continuous feedback and

reinforcement of policies and procedures. Travel to branch locations to

work with staff for training purposes as well as following procedures &

remaining compliant with regulatory updates. Plans, prepares, and

schedules staff, according to budgets and workloads to maintain proper

staffing & ensure smooth daily operations. Maintains a highly motivated,

well-trained staff and establishes effective employee relations. In

cooperation with your leader (and in consultation with Human Resources),

take responsibility for hiring, training, coaching, and discharging of

staff. Welcomes new staff members to the department. Develo & maintain

a budget. Ensures each staff member receives proper orientation,

training, coaching and cross-training to ensure quality service.

Communicates with other departments and management to resolve problems

and expedite work. Interprets and communicates work procedures and

company policies to staff. Resolves complaints and answers questions of

others regarding services and procedures. Develops & maintains

constructive and cooperative working relationships with others. Reviews

and checks work of staff for accuracy and content. Provides additional

training where needed. Makes recommendations to management concerning

staff and improvement of procedures. Requisitions supplies as needed for

the department. Assists staff in handling complex situations. Schedules

and facilitates regular staff meetings. Ensures that the appearance of

the department is neat, organized, and in accordance with Credit Union

policy. Ensures that all confidential records in the work area are

properly secured each day. Work Relationships and Scope: Reports

directly to the Chief Lending Officer. Will have regular contact with

management, vendors, members and employees of the Lending Department.

Performance Dimensions: Must maintain the integrity of confidential

business information and follow all guidelines on confidentiality.

Provide outstanding services to co-workers & members. Possess the

ability to attend to numerous details with frequent interruptions under

the stress of maintaining courteous, effective, and timely relations

with a variety of individuals and personalities. Promotes quality,

accuracy, timeliness, reliability, and thoroughness of work performed.

Is punctual, flexible, reliable, and demonstrates a friendly and helpful

attitude. Possess ability to gain the trust and respect of members,

management, and employees. Also maintains a positive, professional,

team-oriented working relationship with staff and outside vendors.

Enhance job growth through continuing education, as required or

necessary. \*\*\*\*\* OTHER EXPERIENCE AND QUALIFICATIONS: A minimum of

5 years of experience in lending or financial services industry, with a

strong track record of performance in progressively senior roles. At

least 5 years of experience in a leadership or managerial position,

including experience in managing teams, projects, and cross-functional

relationships. Proven experience in portfolio management, credit risk

assessment, and financial product development. Experience in regulatory

compliance within the financial sector. Strong supervisory and

Leadership Skills Required To Manage, Motivate, And Develop Employees.

Knowledge of consumer and mortgage policies, procedures, products, and

services. Ability to be an analytical problem solver and decision maker.

Strong technical abilities to be able to be an administrator for lending

programs and reporting. Ability to maintain confidential and sensitive

data relating to members. Ability to work with a wide range of

personalities in a courteous, effective, and efficient manner. Knowledge

and ability to apply current financial service industry standards, laws,

and regulations. Ability to present ideas, report facts and other

information clearly and concisely. Basic knowledge of the Microsoft

Suite (Outlook, Word, Excel, PowerPoint). Proficient operation of a

variety of general office equipment such as a computer, software

applications, typewriter, copier, calculator, telephone, copy machine,

fax machine and other similar devices or programs related to the

position. \*\*\*\*\* APPLICATION INSTRUCTIONS: Apply Online:

https://recruiting.paylocity.com/recruiting/jobs/All/b9944418-e383-4000-853f-3d5b60a36394/Westby-Coop-Credit-Union Seniority level

Seniority level Executive Employment type

Employment type Full-time Job function

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