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Hudson Valley Credit Union · 11 hours ago

Manager Lending Quality Control

Poughkeepsie, NY

Full-time

Onsite

Senior Level

5+ years exp

Hudson Valley Credit Union is currently recruiting for the position of Manager Lending Quality Control. This role leads a team dedicated to ensuring integrity, accuracy, and compliance of lending originations, servicing activities, and credit reporting operations while overseeing the enterprise-wide quality control programs.

BankingCreditFinancial ServicesInsurance

Responsibilities

Oversee and continuously enhance quality control programs across loan originations, servicing, collections, and credit reporting, applying expert-level knowledge of investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, FHLB), TRID, ATR/QM, ECOA, HMDA, and servicing regulations to ensure full compliance with regulatory requirements, secondary market standards, and internal policies and procedures

Provide strategic direction and leadership for QC functions including audits of Real Estate, Home Equity, and Consumer loans, HMDA, and credit reporting and dispute resolution, ensuring accuracy and compliance

Recommend and execute strategic and tactical goals to increase quality and productivity, reduce deficiencies, and ensure alignment with regulatory and investor standards

Cultivate and sustain collaborative relationships with internal departments, external partners, and regulatory stakeholders; serve as the primary representative for QC in enterprise-level discussions. Oversee the selection, engagement, and performance of third-party QC vendors to ensure alignment with organizational standards and regulatory expectations

Partner with Compliance, Credit Risk, Servicing, Legal, and Operations to identify systemic issues, implement remediation strategies, and drive strategic improvements

Interview, hire, train, and continuously develop QC staff. Set departmental goals, manage performance, and foster a culture of accountability and continuous improvement

Direct sampling methodologies and conduct monthly/quarterly reviews in accordance with investor and regulatory expectations

Monitor and report red flags and potential misrepresentation; lead defect resolution efforts and ensure corrective actions are implemented and tracked effectively

Compile and present QC metrics, audit deficiency reports, and narrative summaries to key stakeholders; recommend resolutions and curing instructions for identified issues

Assist VP, Director of Member Debt Solutions with preparing annual budget. Analyze approved budget variances and expenditures throughout the year

Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned

Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism

Responsible for regular and predictable attendance including punctuality

Qualification

Lending Quality ControlMortgage OperationsRisk ManagementManagement ExperienceQuality Tools ProficiencyContinuous ImprovementTeam LeadershipCollaboration Skills

Required

Bachelor's Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience required

Minimum 5 Years Mortgage or lending operations, credit administration, QC, audit, or risk management required

Minimum 3 Years Management experience in lending quality control or financial services industry required

Proficiency with lending platforms and quality tools, including Dark Matter LOS, ICE MSP, Meridian Link, Baker Hill Commercial LOS, Questsoft and ACES Quality Management required