Assistant Manager, Consumer Funding

Pacific Service Credit Union • Concord, CA

9h • $39 - $51 • Hybrid

About The Position

At Pacific Service Credit Union, we are committed to strategic growth through trust, innovation, and operational excellence. By empowering our internal teams with the tools and support they need to succeed, we strengthen organizational efficiency, ensure compliance, and advance our mission of enhancing member financial well-being.

The Assistant Manager, Consumer Funding is responsible for overseeing and directing all consumer and indirect loan funding activities across the credit union. This role leads a team of funders while actively participating in funding functions to ensure timely, accurate, and compliant loan disbursements.

This position manages funding workflows, service level agreements (SLAs), and queue prioritization to ensure optimal turnaround times and high-quality member experience. Utilizing their best judgment and industry experience the position will optimize processes to impact member service outcomes, provide compliance oversight, complete performance management responsibilities, including making recommendations for hiring, disciplinary actions, promotions, and compensation recommendations. The Assistant Manager serves as a key operational leader bridging Consumer and Indirect Lending, ensuring consistency, efficiency, and adherence to credit union policies and regulatory requirements.

This role requires an organized and dependable individual with strong communication skills and the ability to complete tasks accurately and on time. The position supports the team and organization by assisting with day-to-day activities, completing assigned projects, and contributing to efforts that advance organizational goals and uphold core values, while enhancing member/service outcomes.

Requirements

• High School Diploma or equivalent required.
• Minimum five years’ (5) experience in a consumer lending role with escalated authority and funding experience, required.
• Prior supervisory experience required, preferably in a lending environment.
• Demonstrated ability to work with minimal supervision, independently managing a complex pipeline of loans to be funded.
• Proven success meeting or exceeding individual and organizational professional goals.
• Demonstrate ability to effectively work at a fast pace and in a changing environment.
• Ability to communicate effectively with credit union staff and external support partners, including dealers and dealer representatives.
• Excellent oral and written communication skills required.
• Must be proficient in common office computer programs (e.g., Microsoft Office Suite, Origence Arc OS and similar).

Nice To Haves

• College degree or equivalent work experience preferred.
• Experience with indirect lending channels (dealer networks, CUDL) strongly preferred.
• Strong credit and general financial analysis experience.
• Advanced ability to research, analyze, and report information on market conditions including competitive product and service offerings.
• Continually develop and maintain advisory and consultative lending skills.

Responsibilities

• Direct and oversee daily funding operations for direct auto, RV, boat, and motorcycle loans, unsecured personal loans, credit cards (Visa), secured personal loans, Indirect auto loans (CUDL or equivalent channels)
• Supervise and support a team of three to five funders.
• Occasionally fund loans alongside the team during high volume periods to maintain production flow and service levels.
• Manage and monitor funding queues to ensure timely processing and adherence to established SLAs.
• Establish daily priorities and allocate workload to meet volume demands.
• Identify bottlenecks and implement process improvements to enhance efficiency.
• Ensure consistent clearing of funding pipelines across all product types.
• Ensure all funded loans meet credit union underwriting guidelines, funding requirements, and regulatory standards.
• Partner with Compliance and Quality Control to address defects and audit findings.
• Reinforce adherence to policies including fraud prevention and verification procedures.
• Provide coaching, training, and performance feedback to funding staff.
• Monitor individual and team productivity, quality, and service metrics.
• Assist in hiring, onboarding, and ongoing development of funding personnel.
• Contribute to company innovation and continuous improvement. Foster a culture of evolution by adapting to changes, optimizing processes, and contributing to the growth and success of the organization.
• Demonstrate accountability in your work by taking ownership of responsibilities, setting clear goals, meeting deadlines, and delivering high-quality results. Act with integrity, follow through on commitments, and uphold professional standards.
• Support and uphold company culture by aligning your work with the credit union’s mission and values, contributing to a positive, high-performing environment.
• Demonstrate dependable performance including attendance and punctuality, recognizing that it is essential to organizational excellence and operational success.
• Comply with all anti-money laundering laws, including the Bank Secrecy Act, OFAC regulations, and the USA PATRIOT Act, as well as all related policies and procedures.
• Provide back-up and support to management, as directed.
• Performs special projects and other responsibilities, as directed.

Benefits

• Health insurance coverage: We provide our employees with 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents.
• 401k: We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service.
• Bonus program: All employees are rewarded for attaining our annual organizational goals.
• Tuition Reimbursement program for employees eligible after six months of service.
• Recognition program where employees can be nominated by management, their peers or by members.
• Employee referral bonus.
• Student Loan Repayment Assistance: Contributions toward your student loans every month by the credit union after six months of service.
• Employees are eligible to receive a consumer loan rate discount
• Vacation and sick time: Full-time employees receive more than two weeks’ vacation per year, 11 paid holidays and 10 days of sick leave.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED