Head of Mortgage Lending

UFCU Main•Austin, TX

8d•Onsite

About The Position

The Head of Mortgage is responsible for the overall strategy, performance, and growth of UFCU’s mortgage business. This role provides leadership across origination and operations, while partnering closely with the Secondary Market team to align execution with financial performance and market strategy. Reporting to the Chief Lending Officer, this leader works closely with executive leadership to drive sustainable growth, expand UFCU’s mortgage presence across the state of Texas, and position UFCU as a lender of choice. The role balances strategic vision with operational execution, building a scalable, high-performing mortgage organization aligned with UFCU’s purpose, values, and commitment to member experience.

Requirements

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.
Demonstrated executive presence with the ability to influence senior leadership and key stakeholders
Ability to represent mortgage strategy at the enterprise level
Strong communication and presentation skills
Puts themselves in the Member’s shoes
Looks for friction points
Makes it personalized and easy
Breaks work down
Creates accountability
Brings others along
Follows up
Inspires curiosity
Challenges current thinking
Champions experimentation
Develops direction
Builds team trust
Identifies opportunities to share responsibility
Informs the team
Supports the team
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.

Nice To Haves

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.
MBA or related advanced degree