Redwood Credit Union · 2 months ago
Manager, Mortgage Lending Member Experience
Napa, California
Full-time
Onsite
Mid, Senior Level
$137K/yr - $151K/yrRedwood Credit Union is seeking a Manager, Mortgage Lending Manager to strategically plan, implement, lead, and evaluate their residential mortgage lending channels. This role focuses on providing excellent Member service and sound lending growth while managing departmental oversight including underwriting, loan processing, and compliance.
Finance
No H1B
Responsibilities
Responsible for the total Member experience in all mortgage lending programs, while managing the day-to-day lending operations through direct reporting assistant managers
Drive maximum lending performance by synthesizing and analyzing information and recommending opportunities for current and future growth
Maximize production efficiencies and resolve problems through analysis of data, identification of root cause(s), evaluation of options, rendering of decisions and implementation of action
Supervise staff: goals, training, resources, support, feedback, and accountability. Promote team member contributions and job satisfaction by providing development opportunities, a cooperative working environment, and strengthening working relationships
Communicate with the Leadership Team and department staff regarding all aspects of mortgage lending opportunities, operations, procedures, policies and strategies
Further RCU lending presence by building external relationships by participating in and representing RCU at internal and external events, conferences, and community functions
As a member of the Leadership Team, attend and contribute to meetings, planning sessions, strategic initiative committee discussions, etc. as appropriate
Establish and maintain credibility throughout RCU by being an effective listener and problem solver for team members on all lending related issues
Ensure compliance with pertinent government rules and regulations
Evaluate and adjust mortgage lending procedures, underwriting criteria, documents and forms to ensure efficiency, compliance, and quality
Further achievement of mortgage lending goals by directing strategic and operational activities including origination, processing, underwriting, closing and secondary marketing, while also actively seeking ways to change and improve business units going forward
Actively partner with peers across Redwood Credit Union to integrate mortgage lending into referral activity across departments
Optimize origination efforts through a variety of distribution channels including an inbound call center, internal loan officer(s), and direct lending through the RCU branches
Assure timely and quality completion of strategic objectives by defining priorities, assigning key tasks, measuring results, and following through to ensure accountability
Assist in developing and implementing portfolio management and risk management strategies including overseeing quarterly Portfolio Reviews that reduce risk to appropriate levels for RCU while also being sensitive to individual Member needs
Partner with vendor management for all Mortgage related vendors, and work with outside vendors (AMCs, title and escrow companies, attorneys, credit vendors, creditors) to ensure a partnership that results in efficient and effective productivity
Decision loans as required by lending authority and recommend/manage lending authority for team members
Through loan audits and quality control reviews, ensure loans are originated within RCU and current investor standards
Prepare weekly Status Reports for the VP, Mortgage Lending
Ensure compliance with budget by monitoring activities and reporting deviations
Recommend short-and long-term goals, strategies, objectives, and loan programs for all mortgage lending activities
Develop and implement loan-pricing and portfolio management strategies that will meet or exceed return on equity targets while providing targeted loan growth
Develop mortgage lending promotional programs for internal Loan Officers in coordination with the Marketing Department, e.g. flyers, email and printed advertisements
Develop and execute plans to develop mortgage lending opportunities by establishing direct relationships with realtors, vendors, and other influencers throughout RCU’s field of Membership
Provide general training to RCU staff not in lending
Participate in community events, community volunteer boards & associations
Perform other duties as assigned
Qualification
Required
Strong communication and presentation skills
Excellent interpersonal skills, as well as the ability to maintain credibility and engender trust
Thorough knowledge of all aspects of financial institution mortgage lending methods, practices and services, economics and credit dynamics, as well as laws, rules, and regulations
Exceptional management skills
Strong negotiation skills
Skill in the operation of a personal computer and word processing, spreadsheet and presentation software
Ability to analyze problems and opportunities, identify and evaluate alternatives, and develop effective approaches
Ability to plan, implement, and evaluate the achievement of goals, objectives, and work plans
Ability to lead, motivate, and supervise team members
Ability to establish and maintain effective working relationships with a diverse group of people including Board Members, regulators, Members, team members, attorneys, vendors, and other parties
Ability to travel 20% of time
Ability to obtain and maintain registration with the National Mortgage Licensing System and Registry in compliance with the requirements of Federal Law, including the SAFE ACT and NCUA part 76
Benefits
Competitive medical, dental, and vision insurance, mental health offerings
Employee performance incentive plan
Salary Advancement– Merit increase based on performance
401(k) program with employer match
Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!
RCU employees are eligible for a .75% discount off RCU standard collateral auto loans
RCU employees are eligible for a 1% discount on all recreational or boat loan products
2% discount off Visas and LOC Loans through RCU
0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.
0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.
0% interest on garment, fitness, or home office equipment loan of up to $500
100% financing for employee purchased homes!
Company
Redwood Credit Union
Redwood Credit Union is a banking establishment that assists customers in achieving financial well being.
Founded in 1950
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Brian Kreitzer
VP Mortgage Lending
Jeff Street
Vice President of Product and Service Innovation
Recent News
Morningstar.com
2025-09-12
Company data provided by crunchbase