Manager of Real Estate Lending

Description:

Position: Manager of Real Estate Lending

Pay Range: $100,000.00 to $123,725.00 annually

FLSA Classification: Exempt

Join the Team That Puts Community First!

Foothill Credit Union isn’t just a financial institution—we’re a trusted partner proudly rooted in the heart of the San Gabriel Valley. For decades, we’ve been serving educators, healthcare professionals, municipal employees, families, and more than 250 local businesses with one mission: to improve our members' financial health.

Our commitment to excellence speaks for itself:

• Five-Star Rating from Bauer Financial—placing us among the best in the industry.
• #1 in California for 2025 in the overall return of value to members among peer credit unions ($700MM–$1B), according to Callahan & Associates.
• Recognized by the America's Credit Union with Diamond Awards in 2025 and 2026 for marketing excellence.

But we’re more than numbers—we’re a community advocate. Through partnerships, events, sponsorships, and fundraising, we give back to the people and organizations that make the San Gabriel Valley thrive. When you join Foothill, you’re not just building a career—you’re making a difference.

Ready to be part of something bigger? Apply today and help us continue to raise the bar for service, innovation, and community impact!

Benefits and Perks:

• 100% covered Medical/Dental/Vision for Team Members
• 401(k) plan with match
• Profit-Sharing Plan
• Paid Holidays
• Paid Time-Off
• Loan discounts
• And more!

About the Role: As the Manager of Real Estate Lending, you will lead a high-performing team dedicated to helping members achieve their homeownership goals while driving the growth and success of our residential lending program. This influential leadership role is responsible for overseeing all aspects of the Real Estate Lending Department, including loan production, processing, underwriting, compliance, and service delivery, ensuring an exceptional member experience and operational excellence. Leveraging your strategic vision, lending expertise, and leadership skills, you will develop and inspire a talented team, optimize lending operations, make sound credit decisions within delegated authority, and contribute to the Credit Union's mission of improving the financial well-being of our members and communities.

Essential Duties and Responsibilities: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements below represent the knowledge, skill, and/or ability required but may not be all-inclusive.

• Responsible for planning, directing, organizing, and controlling the operational activities of the real estate department
• Develop and execute strategies to achieve departmental mortgage production and revenue goals
• Establish individual production goals for each Real Estate Loan Officer and monitor progress through regular coaching and performance discussions
• Analyze loan officer performance metrics, pipeline activity, conversion ratios, pull-through rates, and referral sources to identify opportunities for improvement.
• Identify opportunities to grow mortgage market share within the Credit Union's field of membership
• Lead Processing team, providing coaching, accountability, and performance management
• Assist in developing mortgage products and marketing promotions to increase production and penetration of the products within FFCU’s membership
• Foster collaboration between the sales and processing teams to deliver exceptional experience and efficient loan closings
• Manage the real estate pipeline, locks interest rates, and ensures loan files comply with Freddie Mac guidelines and deadlines are met
• Demonstrate an ongoing awareness of competition strategies, knowledge of their product offerings, and pricing patterns
• Experience with HMDA reporting, data integrity, and regulatory compliance
• Recommend new fees and/or changes to existing fees
• Compile and analyze statistical reports on productivity, products, and services and develop controls to monitor proper compliance with all applicable regulations, including, but not limited to, Title VI of the Civil Rights Act of 1964, Title VIII of the Civil Rights Act of 1968, Community Development Act of 1974, Section 527 of the National Housing Act, The Equal Credit Opportunity Act (ECOA), The Fair Credit Reporting Act, Executive Order 11063, and Equal Opportunity in Housing
• Serve as a backup to the Real Estate Loan Officer
• Initiate and lead real estate-related member seminars, monitor all real estate general ledgers, identify ways to reduce cost, improve turnaround time, and streamline processes
• Serve as a backup to the consumer loan underwriting team and review and make decisions on consumer loan applications, as needed
• Maintain complete knowledge of all loan officer functions and procedures; ensure compliance with established credit union policies and procedures
• Responsible for meeting or exceeding the assigned loan volume or minimum established lending goals
• Responsible for expanding member relationships by looking for opportunities to recommend additional products and services
• Review appraisals as needed and title reports, ensuring a solid lending position
• Regularly make and assist in implementing suggestions to improve policies, procedures, and member programs/promotions
• Stay informed regarding changes in real estate lending standards, related legal requirements, and trends related to home equity loans
• Adheres to all state and federal mortgage laws and regulations but is not limited to the Real Estate Settlement Procedures Act (RESPA), the Truth-in-Lending Act (TILA), the Fair Housing Act, the Home Mortgage Disclosure Act (HMDA), and the Equal Credit Opportunity Act (ECOA)
• Manage third-party outsourced vendors delivering complex daily operations while ensuring service excellence such as appraisal, MI companies, Freddie Mac, title companies, etc.
• Update job knowledge through educational opportunities
• Responsible for timely delivery and accuracy of monthly reconciliation and certification of all general ledger accounts
• In collaboration with the VPL, communicate and work directly with internal and external auditors
• Conduct effective monthly 1-on-1 performance development meetings with lending personnel
• Track individual progress, conduct performance reviews with each team member, and complete annual appraisals; formulate and implement corrective actions as needed; recommend promotions for team members as appropriate.
• Approve all sick leave, vacation, overtime, and timecards for each team member; maintain accurate payroll and attendance records
• Assume responsibility for establishing and maintaining effective, professional business relations with members and ensure the credit union's quality reputation is maintained and projected
• Prepare periodic activity reports accurately and timely; recommend improvements to management
• Keep the VPL and/or management informed of department activities, progress toward established objectives, and any significant problems, and request assistance when necessary
• Attending assigned training sessions and team meetings and staying current on new operational procedures
• Assume responsibility for related functions; fill in and perform duties in the department needed; perform other duties as assigned
• The primary administrator for updating and maintaining the real estate loan origination systems
• Actively participates in the pricing committee and ALCO

Requirements:

Experience/Education Requirements:

• College degree preferred or equivalent combined education and experience
• Minimum of five (5) years of mortgage lending experience
• Minimum of five (5) years of related experience in a financial institution (Credit Union preferred)
• Demonstrated three (3) years of supervisory and training experience
• Must have an exceptional understanding of the regulations and statutes

Desirable certifications in the following areas:

• Must be registered as a Real Estate Loan Officer through the National Mortgage Licensing System and Registry; the license must be active and in good standing.

Other Skills and Abilities:

• Ability to develop and implement lending procedures
• Demonstrated ability to organize, maintain, and analyze operational statistics
• Working knowledge of Encompass, DMI, Meridian Link origination system, Symitar, and other systems used within the department is preferred
• Aptitude for detail and ability to perform in a fast-paced and changing environment
• Ability to define problems, collect data, establish facts, and draw valid conclusions
• Full knowledge of title reports, insurance, appraisals, and established credit union loan policies, products, procedures, processing, and underwriting guidelines
• Ability to read and analyze loan documents and all applicable disclosures and write business correspondence letters.
• Strong written, and oral communication skills, and presentation skills
• Must have functional knowledge and experience with Windows (Word, Excel, PowerPoint, etc.) and other computer applications.
• Knowledge of established credit union policies and practices; legal and regulatory requirements
• Ability to use discretion when handling confidential information
• Self-motivated and frequently demonstrates initiative by going "above and beyond" performing what is required for the position
• Ability to maintain a good working relationship with all team members, members, and vendors and to use good judgment in recognizing the scope of authority
• Ability to prioritize, adapt to change, and efficiently handle various tasks in a busy and dynamic work environment
• Aptitude to use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or problem approaches
• Ability to work with diverse personalities and populations
• Able to lead through influence in a collaborative environment by motivating, developing, and directing team members
• Must have a positive attitude and friendly service must be provided to the membership and all fellow team members at the credit union
• Must identify members’ opportunities for financial improvement, communicate recommendations, and provide support.
• Must maintain a professional image
• Bilingual (Spanish) Preferred

Foothill Credit Union is an Equal Opportunity Employer and does not discriminate against any team member or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, intersectionality, status as a veteran, and basis of disability or any other federal, state, or local protected class.

Compensation details: 100000-123725 Yearly Salary

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