Mortgage Closing and Servicing Manager
Mortgage Closing and Servicing Manager
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Job Description
This position will be working at our Headquarters Building in North Austin 183/Oak Knoll). This position is fully inperson at our offices.
If you are a motivated and experienced real estate professional looking for an exciting opportunity to make a difference in the real estate lending industry we encourage you to apply for our Real Estate Closing/Servicing Manager position! In this role you will be responsible for managing a team of 3 coordinators providing oversight and daytoday support for the departments closing postclosing and servicing functions You will oversee and manage the integrity of the current real estate portfolio by auditing mortgage home equity and Home Equity Line of Credit (HELOC) loans managing the thirdparty subservicing relationship and loan quality through managing team effectiveness and efficiency. You will continuously work to recognize real estate trends and encourages others to work towards accomplishing productivity goals accurately and efficiently while ensuring compliance with applicable rules and regulations.
At UHCU you can expect competitive pay including a comprehensive and generous benefits and PTO package. Our Real Estate team is located at our HQ building in North Austin by the 183/Oak Knoll exit (Riata Trace) and offers amenities such as a fitness center yoga room free breakfast or lunch on Thursdays (e.g. FOOD TRUCKS!! outdoor dining area and caf with a micro market.
What you will do:
Closing/Servicing Operational Management: Monitor and manage the daytoday operations of closing and postclosing pipelines procedures and personnel.
- Promote a sales and service culture in all aspects of real estate lending.
- Establish communicate and manage goals and measurement standards for closing and postclosing. Oversee and assist staff in accomplishing productivity and accuracy goals.
- Review complex closing postclosing and servicing decisions and provide appropriate solutions to ensure consistency and high standards in risk management. Act as a subject matter expert for closing postclosing and servicing functions.
- Maximize process efficiency by reviewing procedures processes and workloads adjusting as necessary to ensure accuracy. Develop and maintain closing postclosing and servicing processes and procedures to be in compliance with changing regulations.
- Maintain professional and technical knowledge by attending education workshops reviewing professional publications and establishing professional networks.
- Manage track and maintain organization of the collateral storage for all real estate loans serviced by the Credit Union.
Management Responsibilities & Team Development: Provide direction guidance and leadership to staff. Train and coach staff through individual development plans mentoring and performance reviews. Perform necessary personnel actions such as interviewing hiring promotions disciplinary actions and terminations in consultation with management.
- Partner with the VP of Real Estate Lending in the development and implementation of performance standards and strategies in order to maximize department efficiencies.
- Continuously ensure staff has appropriate resources to complete job functions and identify team needs through regular and consistent feedback.
- Create and maintain a positive working environment that is conductive to efficient and effective work for staff.
ThirdParty Relationship Support: Ensure open communication with CUSO (Credit Union Subsidiary) Texas Mortgage Lending and SubServicer staff and serve as support for loan closings validating documents loan histories and membership information. Ensure members are receiving credit union worthy service and requests are being processed in a timely manner.
- Continuously build and grow collaborative relationships with thirdparties.
- Maintain open communication to coordinate any changes or adjustments needed to stay compliant with real estate law.
- Ensure thirdparty remains compliant with all applicable laws regulations and defined standards.
- Assist members with escalated servicing inquiries and ensure SubServicer follows through with agreed upon resolution.
Quality Control and Reporting: Conduct regular audits and reports on valuations loan applications loan closings and boarding loans as well as thirdparty vendors.
- Identify trends in deficiencies and provide training coaching and process improvements where applicable. Bring escalated issues to the VP of Real Estate Lending as needed.
- Partner with the VP of Real Estate Lending to implement quality control measures in order to minimize errors and mitigate risks.
- Maintain a working knowledge of loan policy real estate loan policy and loan authority limits.
- Conduct periodic quality control audit reviews of loan files to ensure compliance with applicable federal and state laws rules and regulations. Present findings to the VP of Real Estate Lending as needed.
- Prepare and present reports on real estate operations performance and key performance indicators (KPIs) to the VP of Real Estate Lending.
- Stay informed on current industry standards laws regulations and compliance.
- Serve as the backup for the Real Estate Operations Manager as necessary.
- Perform other duties as assigned.
Here is what you will bring to our Real Estate Team:
- Bachelors degree from an accredited college or university in Business Administration Finance Real Estate or related field.
- Minimum 4 years of demonstrated real estate operations experience with progressive responsibilities related to Conventional (Fannie Mae Freddie Mac) and Texas 50(a)6 Home Equity lending management and servicing.
- Minimum 2 years of supervisory/leadership experience in processing closing postclosing and/or servicing with progressive responsibilities to include coaching mentoring developing and motivating staff.
- Must have the ability to obtain a NMLS ID with in the first 21 days of employment.
- Must not be on any agency watch list or banned list to include but not limited to HUD FNMA FHLMC or NCUA.
- Understanding of MS Office Suite with advanced technical and computer skills; ability to navigate quickly and accurately within various computer programs.
- Strong attention to detail and ability to multitask prioritize and adapt. Verbal and written communication skills with the ability to work collaboratively and supportively with individuals groups management and other organizational units to achieve business goals and objectives.
- Demonstrated ability to be selfmotivated solutionfocused customer service driven with high level of ownership and accountability.
About United Heritage Credit Union:
The Credit Union was established in 1957 as an Austinbased credit union and over 65 years later we continue to serve communities in Central Texas Austin and Tyler communities as well as those that live in the rest of Texas through TXCC membership. Through innovative technology exemplary service standards and competitive products United Heritage continues to be a strong force in the credit union industry. UHCU has over $1.5 billion in assets more than 77000 members 10 branch locations and approximately 260 employees. We are a fullservice financial institution whose vision is To be your primary financial institution. Being part of our credit union means being part of our community.
UHCU Offers:
- Competitive Benefits Package
- 401(k) options (PreTax and/or Roth)
- Generous paid time off (PTO)
- Education Reimbursement Program
- Opportunity to Advance!
Important Note: We take hiring very seriously. Interviewing at UHCU may include phone interviews as well as 1st & 2nd round interviews. We are unable to followup with each and every applicant but we do our best to run a thorough process for candidates whom we identify as a potential fit. We will be sure to contact you if that is the case!
Required Experience:
Manager
Employment Type
Full-Time
