Manager Lending Quality Control

Overview

Hudson Valley Credit Union is currently recruiting for the position of 
Manager Lending Quality Control
. 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.

Responsibilities

• 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.
• 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.
• Recommend and execute strategic and tactical goals to increase quality and productivity, reduce deficiencies, and ensure alignment with regulatory and investor standards.
• 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
• Partner with Compliance, Credit Risk, Servicing, Legal, and Operations to identify systemic issues, implement remediation strategies, and drive strategic improvements.
• Interview, hire, train, and continuously develop QC staff. Set departmental goals, manage performance, and foster a culture of accountability and continuous improvement.
• Direct sampling methodologies and conduct monthly/quarterly reviews in accordance with investor and regulatory expectations.
• Monitor and report red flags and potential misrepresentation; lead defect resolution efforts and ensure corrective actions are implemented and tracked effectively.
• Compile and present QC metrics, audit deficiency reports, and narrative summaries to key stakeholders; recommend resolutions and curing instructions for identified issues.
• Assist VP, Director of Member Debt Solutions with preparing annual budget. Analyze approved budget variances and expenditures throughout the year.
• 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,