UFCU · 3 days ago
Director - Mortgage Lending
Austin, TX
Full-time
Onsite
Director/Executive
10+ years expUFCU is seeking a Director of Mortgage Lending to shape and execute their mortgage lending strategy while leading a team to deliver exceptional member experiences. This role involves strategic planning, overseeing mortgage production, and ensuring compliance with regulations, all while fostering a high-performing team culture.
Responsibilities
Partner with the Chief Lending Officer to define, refine, and execute UFCU’s mortgage lending strategy, including growth, market positioning, member experience, and operational excellence
Establish business goals, success metrics, and performance indicators for Mortgage Lending and communicate them clearly across the organization
Strategically position UFCU as a mortgage lender of choice through product differentiation, technology enablement, operational efficiency, and strong brand alignment
Identify, evaluate, and recommend new mortgage products, enhancements, and technologies that advance member value and competitive positioning
Leverage insights from peer institutions, industry partners, and vendors to maintain a compelling and modern mortgage offering
Serve as the mortgage subject-matter voice in UFCU-wide strategic initiatives, providing thoughtful, data-driven recommendations aligned with enterprise growth goals
Monitor industry trends, regulatory changes, and emerging risks and translate insights into actionable strategies
Own and drive overall mortgage production performance, ensuring alignment between enterprise growth objectives, market opportunities, and operational capacity
Partner closely with the Sr. Manager of Mortgage Production to translate production goals into executable strategies, performance metrics, and accountability across mortgage channels
Establish and monitor key production indicators including volume, conversion rates, pipeline health, pull-through, and loan officer productivity
Collaborate with Marketing, Technology, Retail, and Secondary Market teams to align lead generation strategies, pricing, capacity planning, and product mix
Balance production growth with operational excellence, regulatory compliance, risk management, and consistent, high-quality member experience
Leverage data, market intelligence, and competitive insights to inform production strategy and respond to changing market conditions
Identify opportunities to improve speed-to-close, scalability, and efficiency through process improvement, technology optimization, and workforce planning
Provide leadership oversight for the Mortgage Lending team, including hiring, onboarding, coaching, engagement, performance management, and talent development
Build and sustain a high-performing, collaborative leadership team aligned with UFCU’s guiding principles and leadership standards
Establish clear performance expectations and ensure accountability through ongoing feedback, coaching, and formal evaluations
Develop and maintain succession plans for critical mortgage leadership and operational roles
Strengthen cross-functional relationships to improve collaboration, influence outcomes, and elevate the member experience
Participate in the establishment of the annual budget with identification of planned expenses, staffing, projects, and other resources needed for new or enhanced programs and services
Ensure effective control of results. Take action to guarantee achievement of objectives that fall within designated budgets
Adhere to all organizational policies, procedures, and business ethics codes
Complete required regulatory training as assigned
Maintain strict adherence and compliance to all laws, rules, regulations, policies, procedures, and internal controls specific to the role, including but not limited to the Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC, and Fair Lending regulations
Stay current on existing regulations and pro-actively monitor and communicate developing regulations that may impact UFCU
Qualification
Required
Bachelor's degree in Business or related field. Four (4) years of relevant experience may be substituted for a degree
Minimum of ten (10) years of progressive experience leading a large Mortgage Operations Team of 50 employees or greater within a complex organization with increasing management responsibilities
Minimum of ten (10) years of demonstrated strategic management and supervisory leadership experience developing and leading teams with direct reporting relationships
Current knowledge of Federal, State, and NCUA regulations and statutes pertaining to real estate lending, typically acquired through experience in mortgage underwriting, production, and operations
Comprehensive knowledge of mortgage products, services, and industry trends
Demonstrated history of creating and maintaining high-performing, high-integrity mortgage operations team
Meet the requirements of the S.A.F.E. Act to be registered in the Nationwide Mortgage Licensing System and Registry (NMLS)
Experience leading through senior-level leaders (e.g., managers of managers), with the ability to align production, operations, and member experience outcomes
Must be bondable
Expert knowledge of mortgage lending, including strategies, concepts, and practices
Expert knowledge of agency and government loan programs including (FNMA/FHLMC, and FHA/VA)
Strong knowledge of federally insured financial institutions, laws, regulations, and NCUA rules and regulations
Technical proficiency with a high-level knowledge of computer systems including Encompass, and Microsoft Office applications including Outlook, Word, Excel, and Teams
Excellent written, verbal, active listening, collaborative, and interpersonal communication skills with a high level of diplomacy in directing production staff and member service
Strong presentation skills, with the ability to work cross-functionally
Strong motivation and management skills required to lead an experienced mortgage operations team, geared to meet production goals and provide exemplary member service
Critical decision-making skills and sound judgment to address and resolve issues
Effective time management skills including the ability to prioritize responsibilities, delegate, and organize work tasks
Excellent customer service skills
Proven project management and strategic skills, including budget management and analysis
Combination of technical knowledge, business acumen, and organizational leadership skills
Ability to work in fast-paced environment with high attention to detail
Adaptable to a productive team environment where knowledge is shared and feedback and coaching are welcomed
Strong and frequent leadership of process improvement methodology
Ability to consistently evaluate decisions in terms of impact to the business
Demonstrated creative problem solving ability and intellectual curiosity
Ability to research online and find, access, and interpret regulatory requirements
Demonstrated thought partner and strategic thinker to advance and support organizational goals
Ability and eagerness to align with and positively support organizational culture
Preferred
Master's of Business Administration degree
Credit union or other financial institution experience
Minimum of ten (10) years of credit union/financial institution experience
Minimum of five (5) years of mortgage operations experience at a senior management level
Company
UFCU
Empowering our Members to achieve financial success and brighter futures. Federally Insured by NCUA. Equal Housing Lender.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Michael Crowl
CEO & President
Rhonda Pavlicek, MBA, CPA
Executive Vice President of Finance & Risk / Chief Financial Officer
Company data provided by crunchbase