Manager - Mortgage Lending Compliance and Quality Control

UFCU•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 partners with Legal, Lending, Risk, and other business leaders to build 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 in response to UFCU’s business strategy and regulatory environment. The position leads and develops a team, oversees day-to-day compliance and quality control activities, and serves as a liaison with regulators, NCUA examiners, auditors, Mortgage Services, and other stakeholders. It manages regulatory change, audits and examinations, remediation, risk analysis, policies and procedures, fair lending data, HMDA reporting, quality control reviews, and lending-related marketing and advertising review. The Manager also develops scalable processes, reporting, training, controls, and coverage plans, and communicates compliance performance, resource needs, and emerging risks to Mortgage Lending leadership.

Requirements

Minimum of five years of experience in mortgage, fair lending, lending quality control, or a closely related regulatory compliance function.
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.
Must be bondable.
Practical knowledge of HMDA, fair lending analysis, ECOA/adverse action, Regulation Z, RESPA, UDAAP, NMLS/SAFE Act requirements, mortgage quality control, 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 current 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 requirements, 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, follow-through, business judgment, organizational leadership, interpersonal, listening, collaboration, verbal and written communication, attention to detail, and organizational skills.
Data analysis and reporting skills to identify trends, emerging risks, and opportunities for improvement.
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.
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, sustainable 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.

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.
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.
Professional certifications such as CRCM, CMCP, NCCO, or comparable financial services compliance certifications.

Responsibilities

Train, coach, lead, and develop Mortgage Lending Compliance and Quality Control employees, supporting 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 lending compliance and quality control responsibilities.
Build team capacity and bench strength by identifying knowledge gaps, creating training plans, and reducing key-person dependency.
Foster continuous improvement, innovation, operational excellence, transparent communication, and UFCU’s culture and values.
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 resulting from examinations, audits, testing, and quality control reviews; coordinate management responses, corrective action tracking, evidence gathering, and remediation validation.
Conduct risk analyses and develop mitigation strategies for mortgage lending compliance and quality control risks.
Review, revise, and develop written policies and procedures addressing regulatory requirements for Mortgage lending.
Support timely Mortgage Services file-closing compliance under the Equal Credit Opportunity Act and timely review and analysis of Fair Lending data.
Support compliance with applicable laws and regulations 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.
Monitor industry standards, laws, regulations, regulatory guidance, and compliance expectations.
Lead mortgage lending regulatory change management by monitoring requirements, assessing operational impact, coordinating implementation, maintaining evidence, and reporting status.
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 opportunities to improve processes, controls, training, reporting, and operational consistency.
Design scalable mortgage lending compliance and quality control processes to support increased loan volume, expanded markets, system changes, mergers or integration, and organizational growth.
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, regulations, and role-specific internal controls, including Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC, and Fair Lending requirements.
Complete required regulatory training and conduct training to address identified knowledge or procedural gaps.
Run all NMLS-registered employees through exclusionary lists quarterly.
Perform other duties as assigned.