Producing Branch Manager/Mortgage Loan Officer - Arlington

Job Summary

The Mortgage Branch Manager oversees the day-to-day Mortgage operations in conjunction with the Chief Lending Officer and Associate Director of Mortgage Loan Operations.  This position leads Member Experience and Operational Excellence roadmap activities, monitors implementation of strategic initiatives, and monitors mortgage performance.

About UFCU

Founded in 1936, UFCU has grown to serve Members across Texas and beyond.  At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures.

In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values:

Purposefully Member-Obsessed

We are driven by a profound sense of empathy to deeply understand our Members’ needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members’ best interests, forever seeking to empower their financial success.

Possibilities Reimagined

We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.

Performance Excellence Rooted in Unwavering Integrity

We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.

Essential Functions

Mortgage Operations Leadership

• Oversee the day-to-day Mortgage operations in conjunction with the Chief Lending Officer (CLO) and Associate Director of Mortgage Loan Operations.
• Serve as a trusted advisor to the CLO, managing relationships on behalf of the CLO, driving progress around organizational goals, and collaborating with others on the leadership team to achieve those goals.
• Partner with senior management to research and resolve key and emerging issues.
• Ensure the seamless flow of information and communication among the senior management team to facilitate timely and effective decision-making.

Mortgage Initiatives Leadership

• Lead the mortgage team’s Member Experience and Operational Excellence Roadmap activities in conjunction with the CLO, Associate Director of Mortgage Loan Operations, and outside vendor partners.
• Oversee certain cross-functional strategic initiatives on behalf of the CLO and/or mortgage leadership.
• Monitor implementation of strategic business initiatives as a key stakeholder.
• Participate in the identification, assessment, and mitigation of strategic mortgage risk.
• Participate in development of business initiative roadmaps to ensure alignment with strategic mortgage goals.

Mortgage Performance Leadership

• Meet and exceed sales management goals, pipeline goals, and new business generation goals to increase market share.
• Drive change management to align the mortgage team with changing industry needs, member, and partner expectations.
• Oversee branch performance and communicate goals and policy changes on a regular basis to branch personnel, including Loan Officers and Business Development Specialists.

Mortgage Compliance Oversight

• Monitor loan quality to ensure it is aligned with company policies and procedures, and in compliance with state, regional, and federal guidelines.
• Ensure all staff members follow branch procedures, policies, and protocols.

Team Leadership

• Recruit, hire and train Mortgage team members.
• Lead, train, and motivate Mortgage team members to achieve sales goals.

Business Development

• Actively participate in the community alongside other members of the Mortgage team to promote UFCU with business partners and referral networks, including realtors, with strong attention to reputation management.

Budget/Expense Development and Management

• Establish and monitor budget and income goals within predetermined guidelines as directed by the CLO.
• Ensure that mortgage lending goals are met within budget.

Other

• Perform other duties as assigned.
• Adhere to all company policies, procedures and business ethics codes.
• Complete required regulatory training as assigned.
• Maintain strict adherence and compliance to all laws, rules, regulations and internal controls specific to your role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations.

Knowledge/Skills/Abilities

• Knowledge

  • Expert knowledge of all phases of the mortgage loan origination process.
  • Expert knowledge of FHA, VA USDA, and conventional residential mortgage loan products and regulations.
  • Advanced knowledge of all current mortgage lending laws and regulations.
  • Familiarity with credit union philosophies and practices.

   

  Skills

  • Strong people and relationship skills, with an employee/Member service mentality, and a high degree of authenticity, integrity, accountability, and emotional intelligence.
  • Strong written, verbal, interpersonal, active listening, and collaborative communication skills, with the ability to communicate effectively with a variety of key stakeholders.
  • Strong organization skills, with the ability to prioritize with a positive and solution-oriented mindset.
  • Strong analytical, problem solving, and coaching skills, with the ability to resolve conflicts and remove obstacles that occur.
  • Advanced computer skills.

   

  Abilities

  • Ability to use strategic thinking to improve operational efficiencies and the Member experience.
  • Ability to use good judgment and decision making skills.
  • Well-developed ability to manage multiple tasks/projects and deadlines simultaneously.
  • Strong ability to handle any escalations or related issues effectively.
  • Demonstrated ability to be service-focused and portray positive energy and professionalism.
  • Demonstrated ability to develop and maintain effective, collaborative relationships across all levels of the organization and with diverse groups.
  • Ability to work both independently and with others.
  • Ability to collaborate with team members and be open to ideas and feedback from others.
  • Ability to be self-motivated, with critical attention to detail, deadlines, and reporting.
  • Strong ability to work in a highly sensitive and confidential environment.
  • Ability to meet deadlines and handle sensitive and pressured situations.
  • Ability to identify issues and help develop strategy and tactical plans for various department initiatives.
  • Ability to coach, mentor, develop and lead a team of mortgage sales professionals. Well-developed ability to influence, lead, and inspire team members to achieve organizational objectives.

Core Competencies

• Adaptability
• Building Member Loyalty
• Building Partnerships
• Communication
• Emotional Intelligence
• Focus on Results
• Influence
• Leading the Organization (Decision Making and Systems Thinking)
• Leading Others (Building a Successful Team, Coaching & Developing Others, Leading Change, Servant Leadership)

Experience

Minimum Requirements

• Bachelor’s Degree. Four (4) years of relevant experience may be substituted for degree.
• Minimum of five (5) years of mortgage lending experience.
• Minimum of three (3) years of formal or informal management and leadership experience developing and/or leading teams.
• Must be able to complete all phases of the mortgage loan origination process and have demonstrated knowledge of FHA, VA, USDA, and conventional residential mortgage loan products and regulations.

Preferred Requirements

• Bachelor’s Degree in banking, finance, business administration, or economics.
• Ten (10) or more years of mortgage lending experience.
• Seven (7) or more years of formal or informal management and leadership experience developing and/or leading teams, preferably in sales management, customer service, operations, business development, or human resources.
• Prior credit union experience.

Physical Demands

The physical demands described are representative of those that must be met by an employee, with or without accommodation, in order to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Frequent

• While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
• Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.
• Extensive use of the telephone to communicate information, requiring accurate perception of speech and clear speaking abilities.

Work Environment

The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job. 

• This position is required to frequently work at UFCU Plaza in Austin, Texas.
• May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
• May occasionally move from one work location/branch to another.
• Public contact position, requiring appropriate professional appearance.
• Frequent computer use at a workstation up to two hours at a time.
• The noise level in the work environment is usually moderate.