Assistant Manager, Home Equity at Municipal Credit Union in Hybrid

• Assist in overseeing the daily operations of the Home Equity Lending business unit and support departmental objectives.
• Supervise, coach, develop, and motivate Home Equity staff, providing ongoing guidance, performance feedback, and support to ensure achievement of departmental goals, service standards, and employee development objectives.
• Partner with the Vice President of Residential Lending on staffing, employee relations, performance management, succession planning, and training initiatives, while identifying and communicating team development needs.
• Foster effective communication and employee engagement by facilitating regular team meetings, sharing departmental updates, encouraging feedback and collaboration, and ensuring staff are informed of changes affecting department operations and member service.
• Support the evaluation and implementation of process improvements, workflow enhancements, and operational practices to improve departmental efficiency, service quality, and cost effectiveness.
• Monitor Home Equity/HELOC operations and workflows, recommending and implementing procedural updates to support business objectives, regulatory requirements, and an exceptional member experience.
• Maintain and update Home Equity/HELOC policies, procedures, and guidelines, ensuring adherence to established underwriting standards and supporting consistent lending practices.
• Support department leadership in monitoring compliance with applicable lending laws, regulations, and risk-based lending guidelines, while remaining current on regulatory changes that may impact operations.
• Identify and communicate opportunities for policy and procedural enhancements, providing recommendations that strengthen compliance, operational effectiveness, and member service.
• Partner with department leadership and Marketing to develop, promote, and implement new or enhanced lending products, services, and related materials.
• Serve as a key liaison between lending, branch, operations, information systems, and leadership teams to facilitate communication, resolve issues, and support departmental initiatives.
• Supervise and participate in the opening, processing, underwriting and closing of Home Equity loans.
• Ensure that applicable loan policies are met; proper loan documentation is obtained and updated in the loan operating system.
• Review vendor contracts and make appropriate recommendations.
• Obtain information related to member needs, concerns, and problems.
• Reviews Audit Report and ensure recommendations and/or findings are appropriately addressed.
• Assists Quality Assurance with information for new releases to Internal Lending Procedures.
• Provides pipeline updates on HOME EQUITY/HELOCs.
• Will assist when needed to manage the First Mortgage Processors and Closers.
• Keeps informed and ensures compliance with new developments and regulatory changes as it pertains to all lending laws, rules, and regulations.
• Perform additional duties, special projects, and assignments as required to support departmental and organizational objectives.

• Bachelor’s Degree and 5-7 years of lending operations or Home Equity experience with a minimum of 2-3 years of supervisory experience.
• Previous experience supervising lending staff, providing coaching, training, and performance oversight.
• May be required to attend seminars and training course
• Demonstrated success in planning, organizing, and leading people and activities. Ability to motivate, direct and coach staff.
• Knowledge of applicable Home Equity lending regulations including - closing documents, title, lien recording, funding, and disclosure requirements.
• Skilled in underwriting with Portfolio and FNMA guidelines; including use of compensating factors.
• Ability to perform in a high-volume environment and meet deadlines while maintaining exceptional attention to detail.
• Technologically proficient.

• Proven ability to manage change
• Capacity to take calculated risks and innovate

• Experience in setting vision and strategy
• Lead by example and encourage team in developing adaptability
• Successful in communicating effectively
• Prioritizes developing others
• Thinking that values diversity and difference
• Proven ability to build and maintain relationships at all levels of the organization
• Skilled at managing effective teams and work groups that default to action, are accountable, and take ownership of work

Why you'll be a good fit:

Our Core Values are an integral part of who we are and who we hire. By living our Core Values, every day, we continue to attract the best and brightest talent, achieve unsurpassed results and continuously challenge ourselves to be better than yesterday. These values are at the heart of our organization and within every teammate. To be a great fit, you’ll bring the following

Results - We are passionate about winning.

Agility - We proactively anticipate, respond and pivot to ensure MCU wins.

Integrity - We operate with the highest ethical standards and highest degree of honesty.

Belonging - We cultivate a culture of inclusion and teamwork.

Ownership - We take personal responsibility and hold ourselves accountable for the results.

Why You’ll Love Working Here:

The pay range for this position is between $71,600 - $116,550 annually. Actual base pay offered may vary depending on a number of factors such as job-related knowledge, skills, experience, and location. Employees in this position may also be eligible for a discretionary bonus, 401(k) with an 6% employer match per pay period. Benefits for this position include Medical, vision, dental, life, and disability insurance, flexible paid time off and 11 paid holidays annually.

Municipal Credit Union (MCU) is an Equal Opportunity Employer. Municipal Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by applicable federal, state or local laws.

We are committed to hiring, training, cultivating, promoting, and celebrating an environment where we have a welcoming and fulfilling place for all people to call home. Diversity of race, thought, sexual orientation, age, veteran status, religion, and disability will empower us to thrive as individuals, as teams, and as an organization.