Manager - Mortgage Lending Compliance and Quality Control

UFCU Main•Austin, TX

9d•Hybrid

About The Position

The Manager, Mortgage Lending Compliance and Quality Control leads UFCU’s Mortgage Lending Compliance and Quality Control program. The role works closely with Legal, Lending, Risk, and other business leaders to develop and maintain a scalable compliance framework that supports responsible growth, sound risk management, operational excellence, and compliance with applicable federal and state regulations. The Manager strengthens governance, translates regulatory requirements into practical business solutions, and continuously improves the program to support UFCU’s business strategy and regulatory environment. The position leads a team responsible for mortgage lending compliance and quality control, including HMDA reporting, ECOA and Fair Lending compliance, and quality control reviews. It oversees regulatory change management, policies and procedures, audit and examination readiness, issue remediation, risk analysis, reporting, training, and review of lending-related advertising and marketing. The Manager also builds relationships across UFCU and Mortgage Services, communicates compliance performance and emerging risks to leadership, and designs scalable processes to support organizational growth and operational change. This is a hybrid position requiring frequent onsite work at UFCU Plaza in Austin, Texas. The work may involve periodic stressful conditions and may occasionally require adjusted schedules, overtime, and evening or weekend hours.

Requirements

At least five years of experience in mortgage, Fair Lending, lending quality control, or a closely related regulatory compliance function.
At least three years of demonstrated leadership experience, including developing and leading teams with direct or indirect reporting relationships.
Advanced knowledge of mortgage lending compliance requirements and related operational controls.
Practical knowledge of HMDA, Fair Lending analysis, ECOA/adverse action, Regulation Z, RESPA, UDAAP, NMLS/SAFE Act requirements, mortgage and consumer lending quality control, and lending-related advertising and marketing review.
Knowledge of federal and state regulations applicable to mortgage and home equity lending.
Advanced knowledge of mortgage lending laws and regulations, residential real estate lending documentation, conventional financing, and credit union practices.
Strong knowledge of lending processes across all three lines of business, including documentation, governmental and agency requirements, and lending terminology.
Knowledge of compliance governance, risk management, process improvement, compliance monitoring, reporting, and issue management.
Superior customer service and internal consulting skills; strong project management, prioritization, and follow-through skills.
Strong technical, business judgment, organizational leadership, interpersonal, listening, collaboration, verbal communication, and written communication skills.
Strong attention to detail and organizational skills, along with data analysis and reporting skills to identify trends, risks, and opportunities.
Ability to build collaborative partnerships across Legal, Lending, Risk, Audit, and Operations.
Ability to safeguard confidential and sensitive information and manage multiple tasks, projects, and deadlines simultaneously.
Ability to manage individual and team responsibilities while driving process and productivity improvements.
Ability to make sound, consistent, well-supported judgments and demonstrate strategic, innovative, practical problem-solving.
Ability to translate complex regulatory requirements into practical procedures, controls, training, and management reporting.
Ability to balance regulatory requirements with business objectives while maintaining an appropriate risk posture.
Ability to communicate complex regulatory concepts clearly and practically to diverse audiences.
Must be bondable.

Nice To Haves

Bachelor’s degree preferred; four years of relevant experience may be substituted for the degree requirement.
Experience working in a credit union and/or the financial services industry.
A Certified Mortgage Compliance Professional, Certified Regulatory Compliance Manager, NAFCU Certified Compliance Officer, or similar compliance certification.
Experience leading compliance functions through rapid growth, organizational integration, system conversions, regulatory examinations, internal audits, or formal remediation efforts.
Experience developing dashboards, metrics, issue tracking, regulatory change tracking, or executive-ready reporting for lending compliance, quality control, audit, or exam readiness.
Experience leading or supporting regulatory examinations, internal audits, or regulatory remediation efforts.

Responsibilities

Train, coach, lead, develop, and manage Mortgage Lending Compliance and Quality Control employees, with emphasis on performance, professional growth, accountability, and department goals.
Oversee daily compliance and quality control activities, including HMDA reporting, ECOA and Fair Lending compliance, and quality control reviews.
Develop and maintain documented procedures, cross-training plans, and coverage models for critical mortgage lending compliance and quality control responsibilities.
Build team capacity and bench strength by identifying knowledge gaps, creating training plans, and reducing key-person dependency.
Promote continuous improvement, innovation, operational excellence, and UFCU’s culture and leadership standards.
Serve as a liaison with regulators, NCUA examiners, internal auditors, Mortgage Services, and other Credit Union stakeholders on lending compliance matters.
Own or co-own action plans arising from examinations, audits, internal testing, or quality control reviews, including coordinating management responses, tracking corrective actions, gathering evidence, and validating remediation.
Conduct risk analyses and develop risk mitigation strategies for mortgage lending compliance and quality control risks.
Review, revise, and develop written policies and procedures addressing regulatory requirements applicable to mortgage lending.
Support timely mortgage file-closing compliance under the Equal Credit Opportunity Act and timely review and analysis of Fair Lending data.
Support compliance with applicable federal and state laws and regulations, including through third-party compliance support services and review of mortgage lending advertising and marketing materials.
Research and resolve escalated lending compliance questions, issues, and operational concerns; stay current on industry standards, laws, regulations, guidance, and compliance expectations.
Lead mortgage lending regulatory change management by monitoring requirements, assessing operational impacts, coordinating implementation, maintaining evidence, and reporting status to relevant leaders.
Partner with Mortgage Services Lending leadership to prepare for audits, examinations, and reviews and provide requested information accurately and on time.
Communicate compliance performance, resource needs, emerging risks, and recommended support to Mortgage Lending leadership.
Identify and implement opportunities to improve processes, controls, training, reporting, and operational consistency; design scalable processes to support growth, expanded markets, system changes, and merger or integration activity.
Build and maintain working relationships across Mortgage Services and UFCU to influence outcomes and support organizational goals.
Adhere to company policies, procedures, business ethics codes, applicable laws and regulations, and role-specific internal controls, including BSA, AML, USA PATRIOT Act, OFAC, and Fair Lending requirements.
Complete required regulatory training and conduct training as appropriate to address regulatory knowledge, policy, or procedure gaps.
Run all NMLS-registered employees through exclusionary lists quarterly.
Perform other duties as assigned.