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Director, Home Equity

Company: Patelco Credit Union
Location: Dublin
Posted on: January 9, 2021

Job Description:

About Patelco Credit Union: We're here to help people in communities throughout Northern California build financially healthy lives. We do this by being attentive and partnering with our members to understand what is financially best for them. We thrive on change, and we put people first. If you're looking to use your skills and knowledge to make a difference in the lives of others, we look forward to hearing from you.Patelco is a not-for-profit credit union, serving the financial needs and aspirations of more than 400,000 members. What we earn, we return to our members in savings from lower loan rates, fewer fees, and personalized service that focuses on transparency, simplicity, and trust. Our mission remains the same as when we started in 1936, to provide products, services, education and expertise that will empower our members to rise up and achieve financial freedom.Overview: The Director, Home Equity will partner with key business leaders to deliver home equity acquisition, retention, implementation of product pricing strategies, member experience and product line vision. Patelco's strategic growth plan calls for a significant increase in home equity balances, equity market share and contribution to overall asset growth and profitability over the next three years. This Home Loan product leader will also develop, drive and flawlessly execute revenue generating, multi-channel and integrated product campaigns. Additionally, this position is accountable to ensure that the home equity portfolio is active and with high member engagement. The role will report to the Vice President of Home Loans. The ideal candidate will be a self-starter, highly analytical, proven problem-solver and results driven.Responsibilities: * Creates and mobilizes a plan to accelerate growth of home equity balances and revenue in accordance with Patelco's three-year strategic plan targets. Plan should address target segments and tactics for acquisition and existing equity account utilization while operating within the credit risk guardrails established.* Develops and executes the home equity loan portfolio, including marketing initiatives that result in acquisition, cross-sell, and profitability of new home loan products. * Implements the home loan strategic plan which includes portfolio growth, loan performance, product development, pricing, marketing initiatives and channel development.* Identifies and fills product gaps and generate new ideas to grow the home equity lending business and improve the member experience* Leads various projects and direct the actions of project participants who are outside the business unit* Interfaces regularly with other departments to include the Branch, Mortgage Sales, Investments, digital, contact center and other divisions to influence overall performance and campaign results.* Supports all delivery channels with training materials, procedures, and process improvements for home lending products and campaigns* Must be effective in leading lending projects that cross departmental lines. Collaboration is important as many systems and products are interrelated.* Delivers home lending products, services, and systems that fit in Patelco's overall growth strategy.* External contacts may include product and servicing vendors, various marketing and direct mail providers, industry experts, etc.Qualifications: * Bachelor's degree or equivalent is preferred* Minimum 10 years of experience in the mortgage and home loan industry, preferably with diverse roles across product management, marketing, sales, operations and credit risk.* Minimum five years in a management role* 3-5 years preferred at the product management level in a financial industry* Strong knowledge of the mortgage and home equity markets, consumer attitudes and behaviors, distribution strategies, profit & loss drivers and production / product delivery model, legal / compliance and regulatory climate and requirements.* Deep experience developing products, systems, processes within home loans or mortgage industry. Balances growth to managing credit risk/reward within an established risk appetite framework. Balances risk/fraud policies and underwriting / processing execution with member satisfaction.* Proven analytical and problem-solving skills. Uses facts and data as basis for formulating solutions and understanding impacts.* Ability to effectively prioritize and multi-task projects* Will be detail-oriented including ability to think strategically and execute methodically* Possess excellent leadership and communication skills* Knowledge of Lending Origination Systems * Advanced knowledge in the Microsoft Office suite* Role is based in the Dublin, CA headquarters* Must be willing to travel throughout the branch network to facilitate product training and support Mortgage SalesWe Offer: * Empowerment, Engagement, and Teamwork* An inspiring career that benefits both you and your community* Competitive compensation packages with bonus opportunity* Full Medical/Dental/Vision benefits with minimal eligibility waiting period* Generous 401(k) with 3% Safe Harbor and 5% employer match* Discounts on loan products* Tuition Reimbursement* Onsite Fitness Center at HQ and rewards for healthy habits* Close proximity to BART, restaurants and shoppingPatelco Credit Union is an Equal Opportunity Employer: disability/veteranIND123

Keywords: Patelco Credit Union, Dublin , Director, Home Equity, Executive , Dublin, California

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