Manager - Lending Compliance

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 andmaintaina scalable compliance framework that supports responsible growth, sound risk management, operational excellence, and compliance with applicable federal and state regulations. The Manager fosters a culture of compliance by strengthening governance practices, translating regulatory requirements into practical business solutions, and continuously enhancing the compliance program to support UFCU’s evolving business strategy and regulatory environment. About UFCU Essential Functions Team and Project ManagementLeadership 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 departmentgoals. Oversee daily compliance and quality controlactivities, including HMDA reporting, ECOA and Fair Lending compliance,and quality control reviews, to ensure work is completed accurately, consistently, andtimely. Develop andmaintaindocumented 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 byidentifyingknowledge gaps, creating training plans, and reducing key-person dependency incritical lending compliance functions. Build a successful team tooperateaccording to The UFCU Way, providing guidance and resources as needed. Serve as a role model of UFCU’s culture in transparent communication, two-way dialogue, and proactive communication. Compliance Management and Oversight Serve as a liaisonwith regulators, NCUA examiners, internal auditors, Mortgage Services,Consumer Lending,Small BusinessLending, and other Credit Union stakeholdersonlendingcompliance matters. Own or co-own action plans createdas a result ofexaminations, audits, internal testing, or quality control reviews, including management response coordination, corrective action tracking, evidence gathering, and validation of remediation. Conductrisk 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 addressregulatoryrequirements applicable toUFCU’slending practices. Supporttimelyfile-closing compliance forMortgage Services, ConsumerLending,andSmall BusinessLendingas required by the Equal Credit Opportunity Act. Ensuretimelyreview and analysis of Fair Lending data tosupportequitableservice toUFCU’s membership. Supportcompliance withapplicable federalandstate laws and regulationsbyusingTemenos Compliance software and otherthird-partycompliance supportservices,andby reviewing lending-relatedadvertising and marketingmaterials. Research and resolve escalated lending compliance questions, issues, and operational concerns. Stay current on industry standards, laws, regulations, regulatory guidance,and complianceexpectations. Lead lending-related regulatory change management bymonitoringnew and amended requirements, assessing operational impact, coordinating implementation with affected business units,maintainingimplementation evidence, and reporting status to Legal, Compliance, and Lending leadership. Partnerwith Mortgage Services,Consumer Lending, andBusinesslLendingleadership to prepare for audits, examinations,andreviews, and ensure requestedinformation is providedaccurately andtimely. Communicate clearly with Lending Leadershipregardingcomplianceperformance, resource needs, emerging risks, and recommendedsupport. Identifyopportunities 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. Demonstrate UFCU leadership standards through support for our culture, values, and behavioral expectations. Build andmaintainstrongworkingrelationships across Mortgage Services, ConsumerLending,Small BusinessLending,and UFCU to influence desired outcomes andsupportorganizational goals. Other Adhere to all company policies,proceduresand business ethics codes. Complete required regulatory training as assigned. Maintain strict adherence and compliancetoall laws, rules,regulationsand internal controls specific to your role, including but not limited toBankSecrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations. Conduct training, asappropriate, to address identifiedgapsinregulatoryknowledge, policies, or procedures. EnsureNMLS renewal and registrationarecompleted as required by Regulation G. Performs other duties as assigned. Knowledge/Skills/Abilities Knowledge 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/marketing review. Knowledge of federal and state regulations applicable to commercial, consumer, mortgage, and home equity lending. Advanced knowledge of current 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 principles and risk management practices. Knowledge of process improvement methodologies that support operational effectiveness and regulatory compliance. Knowledge of compliance monitoring, reporting, and issue management processes. Skills Superior customer serviceand internal consultingskills. Strong project management, prioritization, and follow-throughskills. Strong combinationof technical knowledge, businessjudgment, and organizational leadership skills. Stronginterpersonal, listening, collaborative, verbal, and written communication skills Strong attention to detail and organizational skills Data analysis and reporting skills toidentifytrends, emerging risks, and opportunities for continuous improvement. Ability to build collaborative partnerships across Legal, Lending, Risk, Audit, and Operations. Abilities Ability to safeguard confidentialand sensitiveinformation. Well-developed ability to manage multiple tasks/projects and deadlines simultaneously. Ability to manage individual and team responsibilitieswhile drivingprocess and productivity improvements. Ability tomake sound, consistent,andwell-supportedjudgments. Demonstrated strategic, innovative, andpracticalproblem-solving ability. Excellent analytical and problem-solving abilities Ability to translate complex regulatory requirements into practical, sustainable procedures, controls, training, and management reporting. Ability to balance regulatory requirements with businessobjectiveswhilemaintainingan appropriateriskposture. Ability to communicate complex regulatory concepts in a clear, practical, and actionable manner to diverse audiences. Experience MinimumRequirements 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 ofdemonstratedleadership experience, including experiencedeveloping and leading teams with direct or indirect reporting relationships. Advanced knowledge oflendingcompliancerequirements and related operational controls. Must be bondable. Preferred Requirements Bachelor’s degreepreferred.Four (4) years of relevant experience may be substituted for thedegreerequirement. Experience working in a credit union and/or within 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 exams, 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 CertifiedRegulatory ComplianceManager (CRCM), Certified Mortgage Compliance Professional (CMCP), NAFCU Certified Compliance Officer (NCCO), or other comparable financial services compliance certifications are preferred. Physical Demands The physical demands describedbeloware representative of those that must be met by an employee, with or withoutreasonableaccommodation, to successfully perform the essential functions of thisposition. Frequent While performing the duties of this job, the employeeis regularly required tosit; use hands to finger, handle or feel;reach withhands and arms; and talk or hear. Specific vision abilities required by this job include close vision, distance vision, peripheralvisionand ability to adjust focus. The employee isfrequentlyrequired to stand and walk. The employeewill use telephone and virtualcommunicationplatformsand must be abletoclearlyand accurately explain complex information. The work environment characteristics describedbeloware representative of those anemployeemayencounterwhile performing the essential functions of thisposition. This positionis a hybrid position thatrequiresfrequentlyworking onsite at UFCU Plaza in Austin, Texas. This position may involve periodic stressful conditions. May occasionally require an adjusted work schedule, overtime, and evening/weekend hours. Public contact position, requiringappropriate professionalappearance. Frequent computeruseat aworkstationup to two hours at a time. The noise level in the work environment is usually moderate.

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Qualifications Skills Behaviors : Motivations : Education Experience Licenses & Certifications Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr UFCU Financial Services, LLC