Job Description

Come Join Heritage Financial Credit Union as Real Estate Lending Manager

As Real Estate Lending Manager, you’ll lead our mortgage team in delivering high-quality lending solutions while ensuring exceptional member experiences. You’ll oversee loan production, underwriting, and pipeline management, while fostering a collaborative, performance-driven culture. This role combines hands-on expertise with leadership, guiding your team to achieve goals, optimize processes, and maintain compliance with all regulatory standards.

You’ll partner with senior leadership to drive strategic initiatives, enhance product offerings, and support organizational growth. By leveraging data-driven insights, managing risk, and overseeing secondary market activities, you’ll ensure profitability and operational excellence. This is an opportunity to shape the direction of our real estate lending program and make a meaningful impact on both your team and the members we serve.

Here's a little about usHeritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed.
Our Core Values:Experience: Go Above Expectations; Create Positive Moments; Personally Acknowledge Service: Deliver As One Team; Stay A Step Ahead; Guide With Product Expertise Integrity: Do What's Right; Speak the Truth; Own Our Actions People: Grow Together; Respect Every Voice; Build Trusting Relationships; Strengthen Culture & Community
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POSITION PURPOSE

The Real Estate Lending Manager is responsible for the overall leadership, performance, and strategic direction of the Real Estate Lending Department. This role oversees day-to-day operations, pipeline management, and staff performance to ensure efficient loan production, high-quality underwriting, regulatory compliance, and exceptional member experience.

The position partners with senior leadership to drive mortgage production, optimize processes, enhance product offerings, and support organizational growth objectives. This role also serves as a subject matter expert and provides leadership in departmental and cross-functional initiatives.

ESSENTIAL FUNCTIONS AND RESPONSIBILITIES

• Lead, coach, and develop Real Estate Lending staff; manage performance, productivity, and professional development.
• Establish clear performance expectations and monitor team results against defined KPIs and service level agreements (SLAs).
• Foster a high-performance, member-focused culture within the department.
• Oversee the end-to-end mortgage pipeline to ensure timely processing, underwriting, closing, and funding of loans.
• Monitor pipeline volume, capacity, and workflow distribution to optimize efficiency and turnaround times.
• Maintain and enforce service level agreements (SLAs) in alignment with credit union standards.
• Ensure loan file quality, sound underwriting decisions, and adherence to agency and internal guidelines.
• Underwrite agency and non-agency mortgage loans as needed.
• Review and approve loan decisions to ensure consistency and risk mitigation.
• Manage the sale of mortgage loans on the secondary market to ensure profitability and alignment with ALM objectives.
• Monitor pricing strategies, margins, and pull-through rates to support financial performance goals.
• Ensure compliance with all federal and state regulations, including HMDA, TRID, RESPA, and BSA requirements.
• Identify, escalate, and mitigate risks related to non-compliance.
• Prepare and submit HMDA reports accurately and timely.
• Develop, analyze, and present departmental reports, including production metrics, pipeline trends, and performance analytics.
• Provide data-driven insights and recommendations to senior management.
• Research, recommend, and implement enhancements to mortgage and home equity products.
• Identify and implement process improvements to increase efficiency, quality, and member satisfaction.
• Partner with leadership on pricing strategy and competitive positioning.
• Ensure a high level of member service throughout the lending process.
• Resolve escalated member concerns and complaints related to real estate lending.
• Collaborate with internal departments including Consumer Lending, Compliance, Marketing, and Finance to support organizational goals.
• Serve as a subject matter expert (SME) on lending-related projects and initiatives.
• Review and approve invoices within area of responsibility.
• Serve as backup to the AVP of Lending Production as needed.
• Perform additional duties as assigned.

Requirements

EDUCATION/CERTIFICATION:

Bachelor’s degree in Business, Finance, or related field preferred. Equivalent combination of education and experience considered

KNOWLEDGE:

Knowledge of home equity and mortgage lending principles. Thorough knowledge of mortgage documentation. Thorough understanding of conventional mortgage underwriting guidelines. Thorough knowledge of Fannie Mae pricing matrix. Knowledge of secondary market practices and pricing. Familiarity with federal and state lending regulations (HMDA, TRID, RESPA, BSA)

EXPERIENCE:

• Minimum 5–7 years of mortgage or real estate lending experience
• Minimum 3–5 years of leadership/supervisory experience
• Experience with secondary market sales and mortgage pricing

SKILLS/ABILITIES

• Strong leadership, coaching, and team development skills
• Excellent analytical and problem-solving abilities
• Strong communication and interpersonal skills
• Ability to manage multiple priorities in a fast-paced environment
• High level of professionalism and member service orientation

What's in it for you?

Salary: $84,000 - $105,000 annually, based on experience

Benefits:

- Paid Time Off & Paid Federal Holidays

- Medical, Dental, Vision & Life Insurance

- Employee Assistance Program

- Flexible Spending Accounts (FSA)/Health Savings Accounts (HSA)

- Supplement Benefits: Critical Illness Care, Identity Theft Protection, Pet Insurance, Legal Services

- BenefitsPlus+ perks program (travel, entertainment, gift cards and so much more)

- CareNet - benefits concierge service

- 401(k) with 5% Employer Match

- Educational Assistance

- Paid Time to Volunteer

- HFCU Logo-wear (that our employees wear with pride!)

Equal Opportunity Statement

Employment at our Credit Union is based upon merit, ability, and qualifications. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status.