Manager, Real Estate Lending

Arrowhead Credit Union•Rancho Cucamonga, CA

About The Position

Arrowhead Credit Union is looking for someone who has a passion for offering real estate lending solutions and services that address financial needs. If you believe in working to make a difference in the organization your work for and the community in which you live, We have the perfect opportunity for you! The Manager, Real Estate Lending oversees all aspects of the residential real estate loan portfolio, ensuring a high level of service to members. This role executes strategies to grow real estate loan production and develop department team members, while maintaining and building relationships with partners and vendors. This position reviews and approves real estate loans while maintaining compliance and risk management standards. The Real Estate Manager ensures an exemplary level of service for both members and team members and inspires the department to deliver superior results. This role oversees originations, servicing, and quality control of 1st and 2nd real estate loans.

Requirements

Ability to provide exceptional member service and adhere to Service Standards.
Strong leadership, team collaboration, and team member development skills.
Proficiency in organizational tools and techniques, with ability to manage multiple competing priorities simultaneously.
Expertise in real estate lending, including providing credit decisions for 1st and 2nd mortgage loans within approved authority, mitigating credit risk, and ensuring compliance with Credit Union, secondary market/investor, and regulatory standards.
Experience with appraisal process oversight and vendor relationship management (brokers, realtors, appraisers, GSEs, sub-servicers).
Strategic planning and execution skills for mortgage portfolio growth, including product identification, market expansion, and referral program development.
Strong analytical skills, including establishing KPIs, developing data-driven insights, and monitoring industry trends.
Proficiency in process efficiency, automation, and oversight of Loan Management Systems (LMS).
Expertise in credit underwriting guidelines and authority implementation.
Operational oversight experience for reporting, annual certifications, wires, and general ledgers in real estate lending.
Ability to provide strategic recommendations on pricing, product strategy, and market opportunities to leadership.
Commitment to continuous learning and professional development.
Working knowledge of Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Asset Controls (OFAC), and compliance with all applicable laws/regulations.
Working knowledge of Credit Union policies and procedures.
Regular and predictable attendance and punctuality.
Ability to assist with new real estate loan product development and annual budget process.

Responsibilities

Personally, provides exceptional member service; uses Service Standards in every work-related interaction.
Actively participates in meeting the goals of the department and the Credit Union.
Work cooperatively with others as part of a formal or informal team to accomplish department and Credit Union goals.
Provides excellent service by using a positive and professional tone to assist callers and team members accurately, thoroughly, and as efficiently as possible while maintaining consistent and friendly service.
Uses organizational tools and techniques to complete tasks on time and successfully manage multiple competing priorities simultaneously.
Leads by example with a professional, positive tone and demeanor when assisting team members and direct reports.
Ensures the Real Estate team provides proper support and development opportunities to frontline team members.
Prioritize the member experience measured by team member advocacy, consistent communication and transparency to the member and utilizing digital options to offer conveniency, speed, and ease of process.
Serves as the primary point of contact for addressing member and vendor complaints and escalations that require resolution.
Resolves escalated Member inquiries based on the credit unions service standards; research and handle exceptions based on conducting proper research to mitigate risk.
Provide credit decisions on 1st and 2nd mortgage loans within approved lending authority while mitigating credit risk.
Determines the borrower, property, and loan terms meet the Credit Union, secondary market/investors, and regulatory standards.
Provides oversight on the appraisal process.
Develops and oversees vendor relationships related to real estate lending, including brokers, realtors, appraisers, GSEs, and sub-servicers.
Executes growth strategies promoting 1st mortgages, 2nd mortgage, and refinances through production workflow optimization, market expansion, and maximizing all referral channels.
Identifies products, services, and features to grow the mortgage portfolio.
Identifies and lead process efficiency and automation to ensure scalability of production within the department while leveraging digital platforms.
Oversees projects related to mortgage lending.
Establishes reporting metrics and key performance indicators (KPIs) to measure service, production, and oversight of the portfolio.
Partners with departments to develop data-driven insights, dashboards, and predictive analytics to support the real estate lending strategies.
Provides oversight of the Loan Management System (LMS) while making recommendations for system enhancements to ensure efficient workflows that adhere to regulatory requirements.
Develops and manages referral programs to facilitate quality mortgage referrals.
Provides operational oversight over reporting, annual certifications, wires, and general ledgers related to real estate lending.
Implements and oversees credit underwriting guidelines and underwriting authority by making recommendations as needed while mitigating credit risk.
Leads automation and operational efficiency efforts to ensure scalable loan production and reduce manual team member and member effort.
Monitors and communicates rate comparisons and trends within the industry to management.
Provides feedback regarding department policies and processes to improve efficiency and service outcomes.
Provides recommendations to leadership on pricing, product strategy, and market opportunities.
Exemplifies the attitude, aptitude, and ability to learn quickly and efficiently while showing assertiveness in personal development.
Independently takes responsibility for learning and development by acquiring and refining of technical and professional skills needed in job-related areas.
Assists with the development of new real estate loan products, including testing and team member training.
Assists with the annual budget process.
Regular and predictable attendance and punctuality.
Maintains a working knowledge of Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Asset Controls (OFAC), and complies with all laws/regulations applicable to area(s) of responsibility. Completes all required and assigned training modules by established due dates.
Maintains working knowledge of Credit Union policies and procedures.
Completes all other duties as assigned by supervisor/leadership as necessary to achieve the goals of the Credit Union and the department.

Benefits

Weekly pay
401K Retirement Savings Plan with company match
Paid time off accrual begins upon hire
Paid sick leave
Company-provided life insurance at up to twice your annual salary
Financial Education Programs
DoorDash DashPass
Medical, Dental, and Vision Insurance for part-time and full-time employees
Modern Health
Care.com subscription
Teladoc
Pet Insurance
Career development opportunities
Team members are eligible to apply for assistance with educational expenses through ArrowHeart's scholarship program.