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What You'll Do
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- Ensure the Mortgage Department meets all investor and credit union guidelines for the selection, audit, and reporting of quality control performance metrics.
- The Mortgage Risk Assistant Manager is responsible for producing accurate and actionable reports and delivering the results to the Mortgage Risk Manager.
- The Mortgage Risk Assistant Manager will manage and direct activities pertaining to scheduled audits (regulatory and/or quality control),
- Responsible for the quarterly scrub and annual submission of HMDA data for the credit union.
- The Mortgage Risk Assistant Manager will oversee the Mortgage Department Member Experience team, track and report on all complaints, escalations, and feedback. When necessary, prepare responses for external reporting sources such as CFPB, NCUA, and BBB.
- Manage and facilitate all internal and external audits involving the Mortgage Department, including response and remediation of any audit findings identified.
- Implement tracking standardizations to ensure all finding risk levels and responsible parties are managed to provide accurate data for quality performance tracking at department, team, and loan level.
- Gather and analyze all results (regulatory and/or quality control), create actional reports, and communicate results with suggest corrective action.
- Responsible for making recommendations for mortgage services, compliance, maintenance, digital technology, workflows, and procedures to ensure regulatory compliance and market competitiveness.
- Project management of credit union initiatives as outlined by the Mortgage Risk Manager.
- Ensures regulatory requirements and procedures are up to date.
- Keep the Mortgage Risk team informed updates pertaining to the credit union or mortgage market through staff meetings, continuous coaching, training, and by attending seminars.
- Set individual weekly and monthly goals for Team Leaders and direct reports to ensure that the department and credit union goals are met.
- Responsible for conducting annual performance reviews for all Mortgage Risk team members.
- Respond to both internal and external DCU member issues and inquiries in a professional and timely manner.
- Continue to look for ways to streamline the department's processes and workflow to improve services provided to members by providing the Mortgage Risk Manager with recommendations for improvement.
- Assist in conducting in-house training classes for credit union personnel.
- Manage and coordinate activities according to established policies and procedures. Recommend, communicate, and implement department operating policies, procedures, protocols, and guidelines.
- Develop and implement controls to ensure consistency and accuracy. Responsible for internal systems and processes to ensure that all procedures are consistent with the company's objectives for regulatory compliance and quality control/assurance.
- Supervise, coach, mentor, and motivate staff through one-on-one meetings, performance management, disciplinary action, development, and delegation. Assist in establishing department and employee goals and monitor individual and department progress toward goal attainment.
- Complete all required Bank Secrecy Act related training annually and maintain knowledge of current BSA policies, specifically those related to functions performed within the department and identifying and reporting possible suspicious activity.
- Performs other duties as assigned.
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What You'll Need
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- Minimum of 5 years' experience in managing quality control/assurance and/or regulatory compliance functions
- Experience associated with the management of the post-closing and pre-funding quality control process and ability to lead and train staff on QA/QC trends, issues, and processes.
- Excellent written and verbal communication skills with proven experience in developing and communicating policies and procedures. Ability to research and recommend policy changes and process improvements as needed and making sure to keep abreast of agency underwriting and quality control agency guidelines and requirement.
- Ability to effectively facilitate meetings, develop management reports and to report monthly results to senior management.
- Ability to research, evaluate, and interpret regulations and QA/QC results and to effectively communicate these to determine trends and training issues and to successfully communicate these needs to be operations/credit teams.
- Strong knowledge of all mortgage loan products, policies, procedures, underwriting, processing, funding, post-closing, and delivery methods. Excellent verbal, interpersonal, listening, and written communication skills.
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What We Do
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DCU is the largest credit union headquartered in New England - serving more than one million members in all 50 states. With over 1,900 team members, we strive to make DCU a great place to work with an excellent work-life balance, and a community that cares.
We are proud to be a Equal Opportunity Employer/ Protected Veterans/Individuals with Disabilities.
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