Manager Lending Quality Control

Job Description

JOB INFORMATION

Title:

Manager Lending Quality Control

Officer Title:

AVP

Grade:

29

FLSA Classification:

Exempt

Date Last Edited:

12/22/2025

Reports To:

Director Member Debt Solutions

Department:

Member Debt Solutions

URL Link

https://hvfcu.jdxpert.com/ShowJob.aspx?EntityID=2&jobcode=1216

PRIMARY FUNCTION

The Lending Quality Control Manager leads a team dedicated to ensuring integrity, accuracy, and compliance of lending originations, servicing activities, and credit reporting operations. This role oversees Hudson Valley Credit Union's enterprise-wide quality control programs, including pre- and post-close reviews, servicing audits, and credit dispute resolution. The manager sets a culture of continuous improvement and "curiosity over certainty," surfacing problems early, testing alternatives, measuring impact, and iterating to drive better outcomes. They ensure adherence to investor and regulatory guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, FHLB) and foster cross-functional collaboration to mitigate risk and enhance operational efficiency.

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Oversee and continuously enhance quality control programs across loan originations, servicing, collections, and credit reporting, applying expert-level knowledge of investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, FHLB), TRID, ATR/QM, ECOA, HMDA, and servicing regulations to ensure full compliance with regulatory requirements, secondary market standards, and internal policies and procedures.

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Provide strategic direction and leadership for QC functions including audits of Real Estate, Home Equity, and Consumer loans, HMDA, and credit reporting and dispute resolution, ensuring accuracy and compliance.

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Recommend and execute strategic and tactical goals to increase quality and productivity, reduce deficiencies, and ensure alignment with regulatory and investor standards.

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Cultivate and sustain collaborative relationships with internal departments, external partners, and regulatory stakeholders; serve as the primary representative for QC in enterprise-level discussions. Oversee the selection, engagement, and performance of third-party QC vendors to ensure alignment with organizational standards and regulatory expectations

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Partner with Compliance, Credit Risk, Servicing, Legal, and Operations to identify systemic issues, implement remediation strategies, and drive strategic improvements.

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Interview, hire, train, and continuously develop QC staff. Set departmental goals, manage performance, and foster a culture of accountability and continuous improvement.

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Direct sampling methodologies and conduct monthly/quarterly reviews in accordance with investor and regulatory expectations.

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Monitor and report red flags and potential misrepresentation; lead defect resolution efforts and ensure corrective actions are implemented and tracked effectively.

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Compile and present QC metrics, audit deficiency reports, and narrative summaries to key stakeholders; recommend resolutions and curing instructions for identified issues.

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Assist VP, Director of Member Debt Solutions with preparing annual budget. Analyze approved budget variances and expenditures throughout the year.

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Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.

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Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.

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Responsible for regular and predictable attendance including punctuality.

Bachelor’s Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience.

X

Minimum 5 Years

Mortgage or lending operations, credit administration, QC, audit, or risk management

X

Minimum 3 Years

Management experience in lending quality control or financial services industry

X

Proficiency with lending platforms and quality tools, including Dark Matter LOS, ICE MSP, Meridian Link, Baker Hill Commercial LOS, Questsoft and ACES Quality Management.

Proficiency with lending platforms and quality tools, including Dark Matter LOS, ICE MSP, Meridian Link, Baker Hill Commercial LOS, Questsoft and ACES Quality Management.

X

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Ability to multi-task and handle varying deadlines within a fast paced work environment.

•

Ability to read, understand and interpret documents, procedures and policy manuals. Demonstrate expert-level

knowledge of applicable rules, regulations and secondary market guidelines.

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Ability to understand and apply basic mathematical concepts.

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Advanced proficiency in Microsoft Office Software (Word, Excel, Outlook, PowerPoint, etc.)

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Advanced verbal, written and presentation skills.

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Must demonstrate advanced analytical, communication, organization, prioritization and interpersonal skills.

Maintain a high level attention to detail and accuracy.

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Must have experience with quality control software and lending platforms.

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Must have strong interpersonal and team building skills with proven ability to lead, mentor and develop a

team. Ability to effectively manage staff and projects.

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Must be able to use basic statistical tools to design sampling plans, control charts, and proportion tests; size risk and quantify control impact; set significance thresholds for findings.

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Must have strong change leadership skills.

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Ability to think and act strategically and proactively.

PHYSICAL DEMANDS

Frequency

Physical Demand

Weight (lbs.)

Frequently

Sit for prolonged periods of time

Frequently

Required to communicate verbally

Frequently

Normal range of vision and hearing abilities required

Occasionally

Lift and/or move objects

10

Occasionally

Travel outside of work location to attend meetings and training programs

Frequently

Required to skillfully operate a computer, telephone and other standard office equipment

Occasionally

Work extended hours, including evenings, weekends, and holidays as needed

WORK ENVIRONMENT

•

Typically the noise level in the work environment is moderate.

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May experience occasional job stress in dealing with difficult situations and/or high volume.

•

High energy, high impact atmosphere.

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There are no significant hazardous conditions.

View Competencies

Quality Management

Knowledge of quality management methods, tools, and techniques used to create and support an environment that meets the needs of the organization.

Level 3

1. Communicates key benefits of a quality management process.

2. Develops quality assurance processes based on Six Sigma, ISO 9000 or Baldrige principles.

3. Develops expertise in quality assurance tools, techniques, and standards.

4. Interprets results of quantitative and statistical tools and explains results to others.

5. Conducts and directs quality reviews.

6. Develops programs for motivating personnel to meet or exceed quality goals.

Leadership

Leads people towards meeting the organization’s vision, mission, and goals. Provides an inclusive workplace that fosters diversity, development, teamwork and continuous improvement.

Level 2

1. Creates a connection to demonstrate how daily actions contribute to organizational outcomes. Coaches team to assume full responsibility for shared goals and objectives.   2. Develops the ability of others to perform and contribute to the organization by providing ongoing feedback and opportunities to learn through formal and informal methods.   3. Implements the organization’s workforce development/planning strategies within business units.  4. Makes well-informed, effective and timely decisions, even when data is limited.  5. Takes a stand, maintains integrity and tactfully defends position in the face of significant opposition.

Service Excellence

Consistently incorporates Hudson Valley's member and employee value proposition, reinforcing organizational culture and brand differentiators.

Level 3

1. Creates a sense of accountability and personal ownership for employees and self.  2. Designs strategies to inspire peers and business unit to raise the bar of customer service delivery.  3. Monitors industry for trends in enhancing member service with special attention to financial services.  4. Establishes best practices for internal and external service excellence.  5. Systematically identifies potential problems when designing systems/processes using techniques including brainstorming and cost/benefit analyses to reduce the chances of unnecessary problems.

Results Driven

Drives critical activities to completion. Meets organizational goals and customer expectations.

Level 2

1. Clearly communicates expected results. Uses motivational tactics to generate team buy in. Consistently measures progress and refocuses efforts to ensure attainment.  2. Implements specific policies or practices based on laws or regulations governing these practices.  3. Makes effective use of technology to achieve results. Ensures access to and security of technology systems.  4. Takes full responsibility for results, keeping stakeholders properly informed of status, issues and potential problems.  5. Understands the organizations influence dynamics and uses that information to establish alliances to achieve organizational goals and objectives.

Resiliency

Adapts positively to changing environments in order to achieve business results.

Level 2

1. Anticipates the impact of change in markets, politics, and culture on the organization and its clients.  2. Deals effectively with pressure; remains optimistic and persistent, even under adversity.  3. Develops new insights into situations; questions conventional approaches.  4. Implement change initiatives so as to minimize adverse impacts on people.  5. Understanding of the necessity of continuous personal growth; ability to gauge one's strengths, limitations and interests, and use of this knowledge for purposes of performance effectiveness and self-development.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee in this position.  Additional functions and requirements may be assigned by supervisors as deemed appropriate, with or without notice.

Nothing contained in this material creates a contract of employment between an employee and Hudson Valley Credit Union or otherwise alters the at-will nature of the employment relationship.

Are you able to perform the essential functions listed in this job description with or without reasonable accommodation?  YES_______  NO_______

By signing below you certify that you have received this job description and understand the requirements, essential functions and duties of the position.  If you are currently employed in this position, your signature acknowledge that this job description accurately describes the position, including its essential functions.

Name:  _____________________________________________

Signature: _____________________________________________

Date:  _____________________________________________ 

Please also note that Hudson Valley Credit Union respects the religious beliefs and practices of employees and will, on request, reasonably accommodate its employees when a reasonable accommodation is available that does not create an undue hardship on the Credit Union’s business.  Therefore, unavailability for work due to religious observances or practices may not be a bar to employment.