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Manager Lending Quality Control

4 months ago

Sandy, United States Mountain America Credit Union Full time
Please reference the schedule and minimum qualifications listed below before applying.

If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at [redacted] option 1 or email [redacted] and every reasonable effort will be made to accommodate your needs in a timely manner.

Job Summary
Job Profile Summary
Under the direction of the Lending and Operational Support leadership, this role provides first-line quality control, compliance, and regulatory support to Mountain America lending business units in alignment with state and federal regulations. The Quality Control Manager will drive department productivity, quality, efficiency, manage the operations and staff for quality control reviews, reporting, and action planning. This position is responsible for building and maintaining relationships with all lending teams that focus on accurately identifying and effectively addressing credit and compliance risk within the lending portfolios. Works cross functionally, at a first line level, to address compliance issues with business unit leaders in all areas of Mountain America lending teams.

Job Description

SCHEDULE

Full-Time

LOCATION

Mountain America Center

9800 S Monroe St

Sandy, UT

To be effective, an individual must be able to perform each job duty successfully.
  • Develops, modifies, and streamlines the lending Quality Control Program, incorporating processes and procedures for review of all consumer and real-estate lending products.
  • Identifies and differentiates the value added of pre and post-close loan reviews.
  • Manages team of auditors to use AAA to respond to lending team inquiries regarding LQI, Pre-Funding, Post-Close, Adverse Action and lending compliance questions.
  • Act as a subject matter expert in CFPB and NCUA rules and regulations application to mortgage, consumer, and business lending including BSA, OFAC, TILA, TRID, ECOA, FCRA, RESPA, GLBA, SCRA, Flood Standards, Fair Lending, and other regulations as applicable.
  • Ensures Mortgage Quality Control Program for secondary market mortgages meets industry and investor standards, requirements, and timeframes.
  • Ensures Consumer Lending Quality Control Program meets established internal guidelines and applicable regulatory compliance regulations.
  • Develop, optimize, and maintain accurate compliance monitoring for regulatory timeframes, tolerances, disclosures practices, throughout the loan lifecycle including loan origination, servicing, loss mitigation and collection practices across all portfolio types.
  • Understands credit risk and compensating factors and help guides others to ensure credit decisions align with organizational tolerances.
  • Manages process implementation and improvement activities to ensure quality control program meets organizational and business unit needs.
  • Develop KPIs and metrics to manage the continuous evaluation and implementation of quality control processes, including the development and maintenance of questionnaires and exceptions.
  • Create cross collaboration with peer managers and key stakeholders to institute and oversee quality control calibration, confirming consistency and accuracy in the review process across quality control teams and lending business units.
  • Establishes relationships with internal partners to ensure quality control processes are aligned with business unit procedures and that changes are implemented in a timely manner. Collaborates with lending leadership to ensure processes meet internal standards and risk tolerances.
  • Coordinates with lending and training teams to develop effective action planning related to risks and trends that exceed defined tolerances, industry standards, investor guidelines and regulatory requirements.
  • Consult on compliance training programs and ensure they comply with local, state and federal lending requirements and regulations.
  • Analyzes trends from internal reports to articulate findings and assist with remediation efforts.
  • Meets with lending leaders regularly to review exceptions and discuss trends identified in each lending area. Work with leaders to create accountability and an action plan for issues and exceptions identified.
  • Maintain first line of defense compliance controls, processes, and reporting.
  • Uses data to identify, evaluate and report on key performance indicators of credit and compliance risk within the lending portfolios. Ensures reports are generated and distributed to appropriate team members in a timely manner.
  • Maintains current industry knowledge by monitoring industry announcements, guideline changes and events, and keeps team members informed about the changes, updating processes and procedures as necessary.
  • Maintains understanding of all internal lending guidelines based on product and loan origination channel.
  • Ensures ongoing compliance monitoring processes meet current regulatory requirements, identifying trends and issues that need additional oversight.
  • Coordinates resources for targeted reviews that support compliance assessments, credit risk monitoring, and business unit requests.
  • Adapts quality control programs and processes to address emerging and changing risk environments, volume, and business needs.
  • Develops lending quality control staff. Coaches loan review staff on underwriting guidelines and the loan review processes, policies and procedures.
  • Establish and implement team performance goals for direct reports to support departmental needs and individual development progress; assess employee-directed development goals and provide structured, ongoing coaching and mentoring through regular check-ins.
  • Acts as a liaison for lending related audits and reviews such as NCUA, HUD, MERS, etc.
  • Works with second line compliance team to evaluate risks and effectiveness of QC program.
  • Performs other duties as assigned.
KNOWLEDGE, SKILLS, and ABILITIES

The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Experience
  • 7 Years lending financial experience with a minimum of 5 years with a compliance related focus in a lending setting.
  • 3 years leadership experience - preferably over medium to large teams, ability to recruit, engage, and develop employees.
Education

Bachelor's degree from an accredited institution in business, marketing, finance, economics, or related field; OR three additional years combined with experience years in a progressive financial setting.

Licenses, Certifications, Registrations

FHA DE Preferred

VA LAPP Preferred

Credit Union Compliance Expert (CUCE) certification preferred.

Managerial Responsibility
  • Oversees, coordinates, and reviews the work of assigned staff
  • Has responsibilities that are direct or through work leaders or assistants typically with a subordinate group of 8-15 employees.
  • Recommends candidates for employment, conducts performance evaluations and salary reviews for assigned staff, and applies company policy.
Computer/Office Equipment Skills
  • Advanced skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel
  • Demonstrated experience and knowledge of technology that supports multiple lending services, LOS and other core systems
  • Experience with quality control and analytical/reporting software preferred
Language Skills
  • Demonstrated ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustrations
  • Demonstrated ability to document outcomes and present information in a manner appropriate for key stakeholders and all levels of the organization
  • Exhibits strong communication skills and professionalism through situations of productive conflict
Other Skills and Abilities
  • Excellent inter-personal skills including the ability to lead and collaborate with internal and external teams and leaders
  • Knowledge and training in quality control typically resulting from a combination of education in accounting, financial and/or quality control analysis or related areas.
  • Knowledge and training in financial activities and terminology with knowledge of branch operation procedures, financial products and services.
  • Advanced knowledge of related state and federal and compliance laws and regulations, and other financial policies.
  • Advanced knowledge of title policies and related loan regulations such as RESPA, HMDA and other Bank lending policies on loans to directors.
  • Demonstrates strong leadership skills to coach and develop team members through ever evolving times
  • Self-starter with strong organization and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines
  • Strong change management skills - is flexible and adapts well to change and helps others understand need for change
  • Uses data analysis to evaluate the effectiveness of team members and to identify trends to continuously adapt program
  • Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc.
  • Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies
  • Has a forward thinking mindset to identify and predict upcoming needs for the team and program and proactively adapts as necessary


PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit, talk and hear consistently

Ability to stand, walk, and use hands to handle or reach occasionally

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Weight Lifted or Force Exerted

Ability to lift up to 25pounds occasionally

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

Moderate noise (business office with computers and printers, light traffic)

Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.