Manager - Lending Compliance

About the role

The Manager, Lending Compliance and Quality Control provides leadership for UFCU’s Lending Compliance and Quality Control program across Mortgage, Consumer, and Commercial Lending. This role partners 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.

Responsibilities

• Effectively train, coach, and lead a cohesive team of Lending Compliance and Quality Control employees in daily activities to ensure consistent focus in communicating findings to affected business units.
• Coach, develop, and manage team members with an emphasis on performance, professional growth, accountability, and achievement of department goals.
• Oversee daily compliance and quality control activities, including HMDA reporting, ECOA and Fair Lending compliance, and quality control reviews, to ensure work is completed accurately, consistently, and timely.
• Develop and maintain documented procedures, cross-training plans, and coverage models for critical lending compliance and quality control responsibilities, including HMDA, mortgage QC, fair lending, ECOA/adverse action, consumer lending compliance, and marketing/advertising review.
• Foster a culture of continuous improvement, innovation, and operational excellence.
• Build team capacity and bench strength by identifying knowledge gaps, creating training plans, and reducing key-person dependency in critical lending compliance functions.
• Own or co-own action plans created as a result of examinations, audits, internal testing, or quality control reviews, including management response coordination, corrective action tracking, evidence gathering, and validation of remediation.
• Conduct risk analyses and develop risk mitigation strategies, as needed, to address lending compliance and quality control risks.
• Review, revise, and develop written policies and procedures that address regulatory requirements applicable to UFCU’s lending practices.
• Support timely file-closing compliance for Mortgage Services, Consumer Lending, and Small Business Lending as required by the Equal Credit Opportunity Act.
• Ensure timely review and analysis of Fair Lending data to support equitable service to UFCU’s membership.
• Support compliance with applicable federal and state laws and regulations by using Temenos Compliance software and other third-party compliance support services, and by reviewing lending-related advertising and marketing materials.
• Research and resolve escalated lending compliance questions, issues, and operational concerns.
• Stay current on industry standards, laws, regulations, regulatory guidance, and compliance expectations.
• Lead lending-related regulatory change management by monitoring new and amended requirements, assessing operational impact, coordinating implementation with affected business units, maintaining implementation evidence, and reporting status to Legal, Compliance, and Lending leadership.
• Partner with Mortgage Services, Consumer Lending, and Business Lending leadership to prepare for audits, examinations, and reviews, and ensure requested information is provided accurately and timely.
• Communicate clearly with Lending Leadership regarding compliance performance, resource needs, emerging risks, and recommended support.
• Identify opportunities to improve processes, controls, training, reporting, and operational consistency.
• Design scalable lending compliance and quality control processes that can support increased loan volume, expanded markets, system changes, merger/integration activity, and future organizational growth.
• Support timely file-closing compliance for Mortgage Services, Consumer Lending, and Small Business Lending as required by the Equal Credit Opportunity Act.
• Ensure timely review and analysis of Fair Lending data to support equitable service to UFCU’s membership.
• Support compliance with applicable federal and state laws and regulations by using Temenos Compliance software and other third-party compliance support services, and by reviewing lending-related advertising and marketing materials.
• Research and resolve escalated lending compliance questions, issues, and operational concerns.
• Stay current on industry standards, laws, regulations, regulatory guidance, and compliance expectations.
• Lead lending-related regulatory change management by monitoring new and amended requirements, assessing operational impact, coordinating implementation with affected business units, maintaining implementation evidence, and reporting status to Legal, Compliance, and Lending leadership.
• Partner with Mortgage Services, Consumer Lending, and Business Lending leadership to prepare for audits, examinations, and reviews, and ensure requested information is provided accurately and timely.
• Communicate clearly with Lending Leadership regarding compliance performance, resource needs, emerging risks, and recommended support.
• Identify opportunities to improve processes, controls, training, reporting, and operational consistency.
• Design scalable lending compliance and quality control processes that can support increased loan volume, expanded markets, system changes, merger/integration activity, and future organizational growth.

Requirements

• Minimum of five (5) years of experience in mortgage and/or consumer lending compliance, fair lending, lending quality control, or a closely related regulatory compliance function.
• Three (3) years of demonstrated leadership experience, including experience developing and leading teams with direct or indirect reporting relationships.
• Advanced knowledge of lending compliance requirements and related operational controls.
• Must be bondable.

Qualifications

• Bachelor’s degree preferred.
• Four (4) years of relevant experience may be substituted for the degree requirement.
• Experience working in a credit union and/or within the financial services industry.
• Professional certifications such as Certified Regulatory Compliance Manager (CRCM), Certified Mortgage Compliance Professional (CMCP), NAFCU Certified Compliance Officer (NCCO), or other comparable financial services compliance certifications are preferred.