Kitsap Credit Union is a not-for-profit, member-owned financial cooperative with more than 300 employees and 16 branches throughout Western Washington. We have a passion for making a positive difference. As a $2 + billion-asset credit union, we are deeply committed to our members' financial wellbeing and the prosperity and quality of life in the communities we serve. We are proud to be led by individuals with the experience and skills to drive our organization towards our goals for strategic growth and operational excellence. Our KCU Cares Foundation program focuses on providing resources and support for those struggling with homelessness or hunger and improving the financial well-being of the people in our communities. And beyond monetary efforts, we have provided thousands of hours in staff volunteerism and in-kind support.
At Kitsap Credit Union, our success is built on trust-based relationships and personalized service. We understand our employees are key to our success. They provide the personalized service to our members and contribute to the communities where we live. We are committed to providing a supportive, mission-driven, and inclusive culture where employees can grow their careers. To learn more, visit kitsapcu.org.
About the Role:
Kitsap Credit Union is searching for a Director of Real Estate Operations to lead a team out of our corporate Harborside office in Bremerton, WA. This role will be responsible for directing, managing, and coordinating the Real Estate lending operations functions of the credit union to support the production of profitable mortgage and home equity loans, consistent with established credit union objectives, policies, and procedures.
What you will do:
Manages Real Estate loan operations and administer credit union real estate lending programs consistent with credit union objectives to include first mortgage and equity loan processing.
Assists with long term planning and execution of strategic lending goals and provides recommendation to management of changes to products, loans policies and procedures by following lending laws and regulations.
Assesses and employs organizational skills to improve operational workflows, ensuring efficient and effective lending while promoting interdepartmental cooperation.
Manages Real Estate Lending Operations' productivity standards. Tracks production and monitors the quality and quantity of work to identify improvement Ensures that productivity standards are met, identifying and implementing solutions as needed.
Ensures and manages compliance of loan processing disclosures to GSE/RESPA guidelines.
Ensures that all members receive prompt, efficient, courteous and professional service and that member problems and complaints are resolved promptly, courteously and fairly.
Exercises responsibility for the delivery of financial services to Credit Union members in conformance with KCU's lending policies, underwriting guidelines, interest rates, and terms.
Develops and maintains operations procedures for area of responsibility.
Maintains comprehensive knowledge of all applicable real estate lending Ensures compliance is maintained within real estate operations.
Contributes to financial objectives of the Credit Union by participating in the preparation of periodic updates and reports for management, including: production; loans in process; peer group statistics; market share statistics; comparison of competitors' programs, rates and terms; and monthly recordings in selected counties.
What you will bring:
High level of confidentiality required at all times
Excellent verbal and written communication skills
Excellent organizational skills and attention to detail
Excellent time management skills with a proven ability to meet deadlines
Strong analytical and problem-solving skills
Strong supervisory and leadership skills
Ability to make quality decisions in a timely manner
Thorough understanding of mortgage pricing and secondary market reporting
Ability to prioritize tasks and to delegate them as appropriate
Proficient with Microsoft Office Suite software
Understand, model, and represent KCU's core values
Basic Qualifications:
Bachelor's Degree in Business or related field, or equivalent combination of education and experience
5 years of current experience in real estate lending including: production; processing; underwriting; closing/funding; secondary marketing; and compliance
5 years of management experience
Must be registered with the Nationwide Mortgage Licensing System within 30 days of hire and comply with the SAFE Act regulations
Our Values:
Integrity: We believe in acting with honesty, trust, and respect which are at the forefront of our daily engagement.
Responsibility: We believe that responsibility is holding ourselves accountable for our decisions, actions, and their outcomes.
Collaboration: We believe in the power of a diverse group of people working together to achieve a united outcome.
Authenticity: We believe activities in actions that demonstrate our commitment to be transparent, dependable, and genuine in everyday.
Salary Range: $93,594.98 to $116,993.73 depending on experience
Bonus Target: 12% potential incentive of base pay
Working Hours: Monday - Friday 8AM - 5PM
Grade: 13BC
Industry: Banking
What We Offer:
Not only are we one of the largest credit unions in Washington State, and growing, but we are also a company that cares about its employees. We back that up for our employees by offering competitive pay and a benefits package that helps support you and your family's lifestyle. We value our employees, and we strive to keep our benefits comprehensive and affordable. Some of our benefits include:
Free onsite parking
Annual time off and sick time accrued
11 Paid holidays
1 Personal day
Medical, Dental, Vision, Short- and Long-term Disability, Life and AD&D Insurance
Employee Assistance Program
Choose from a PPO medical plan or a High Deductible with a Health Savings Account
3% KCU funded Safe Harbor Contribution to your 401K
KCU will match up to 2% of your 401K contributions
All 401K contributions are 100% vested
Potential annual incentive in all roles within Kitsap Credit Union
Tuition reimbursement
8 hours of paid volunteer time off
Discounts on KCU's products and services
Paid Care.com membership
We believe in the power of belonging - it's in our DNA as a not-for-profit, member-owned cooperative. Our un-bank-like structure ensures that we remain all about people: our members, our employees, and the people in the communities where we live and work. We work hard to provide a collaborative and inclusive environment where you can grow and excel in your career.
We are dedicated to serving our members by providing personalized experiences, convenient access, and highly competitive products and services. But it goes much deeper than that. For more than 86 years, we have been relentless about making a positive difference in our communities. We understand that when our members and communities succeed, we all succeed, and that success can't happen without great employees. If this is the kind of organization, you're looking for.
****** Employment is contingent upon satisfactory credit, background, and reference checks. Kitsap Credit Union is an Equal Opportunity Employer. All qualified applicants for employment will receive consideration without regard to sex, marital status, race, color, religion, national origin, age, veteran status, disability, genetic information, or any other protected status. ******
