Assistant Manager, Consumer Lending Portfolio (Consumer Loan Experience)

Navy Federal Credit Union•Vienna, VA

31d•Onsite

About The Position

Navy Federal is seeking a strategic and analytical leader to shape the vision and roadmap for Consumer Lending products, including Auto and Personal Loans. In this role, you will lead initiatives focused on understanding, measuring, and improving the end-to-end experience for key processes throughout the consumer loan lifecycle to strengthen member engagement, satisfaction, and loyalty strategies. Leveraging market research, member insights, and deep subject matter expertise you will serve as a liaison between key business stakeholders and technology teams, ensuring alignment of Consumer Lending's business objectives with the organization's strategic vision and goals. This is a high-impact opportunity for a forward-thinking leader who can translate data into vision, and vision into strategy-helping us deliver meaningful value and best-in-class experiences to the members we proudly serve.

Requirements

Significant progressively responsible experience in leading and managing a multi-functional, multi-location lending operation, including operational and regulatory risks and controls, preferably for a large financial services organization
Advanced knowledge of applicable federal and state laws, rules, and regulations that govern consumer lending
Advanced knowledge of banking/financial industry trends, products and services
Advanced knowledge of consumer lending industry, best practices, and automated financial systems
Advanced knowledge of macro-economic conditions impacting the business
Advanced knowledge of ACAPS, Loan Officer User Interface, STRATA, and Custom Scorecard
Significant experience in managing multiple priorities independently or in a team environment to achieve goals
Significant experience working with all levels of staff, management, stakeholders, vendors
Significant experience in demonstrating thought-leadership, initiative-taking, decision-making and creativity solving business problems
Advanced knowledge of data querying, reporting, forecasting, analysis and operations research, including statistical methods
Significant experience in delivering presentations to virtual and in person teams
Significant experience in managing cross-functional, multi-dimensional teams and projects of the highest complexity which have business risk and impact
Advanced skill developing and implementing programs in a leadership role, providing vision and strategic thinking around a full range of technical decisions and issues
Advanced skill identifying and analyzing business requirements and recommending solutions
Advanced skill exercising initiative and using good judgment to make sound decisions
Advanced skill in producing desired results and achieving goals and objectives
Advanced analytical/quantitative, reconciliation and deductive reasoning skills
Advanced skill to influence, negotiate and persuade to reach agreeable exchange and positive outcomes
Advanced problem solving, collaboration, critical thinking, team building, and presentation skills
Advanced skill presenting findings, conclusions, alternatives and information clearly and concisely
Advanced analytical thinking skills to include summarizing information and clearly identifying key elements, patterns, results or relationships
Advanced leadership skills, marked by poise, positive influence, and the ability to drive change
Advanced skill to effectively manage a remote distributed workforce across multiple locations and time zones
Advanced verbal, interpersonal and written communication skills
Advanced word processing, spreadsheet, and presentation software skills
Bachelor's degree in Business Administration, Finance, or related field, or the equivalent combination of education, training, and experience

Nice To Haves

Advanced knowledge of Navy Federal's automated systems used in the Department
Advanced knowledge of Navy Federal's functions, philosophy, operations and organizational objectives
Master's degree in Business Administration, Finance, or related field

Responsibilities

Assist with developing branch strategy, establish priorities and set goals to include both Loan Originations and Portfolio growth; evaluate and implement standards to ensure alignment with department/organizational objectives and AFPs
Analyze consumer loan risk performance and statistical data; identify trends and recommend improvements to automated systems, policies, procedures and practices
Assist with developing and implementing consumer lending risk controls and credit management policies for the business line
Research and resolve inquiries from both vendors and members
Establish guidelines for credit risk measures and automation
Coordinate with Lending Systems support team and ISD during outages to ensure prompt restoration of services; assess the impact on business line production
Coordinate with Credit Policy and Analytics on all pricing and Custom Scorecard changes
Develop and implement lending/underwriting criteria/guidelines for the various levels of credit and for approving consumer loan applications
Monitor completion of quality control audits in conjunction with Lending Operational Risk and Internal Audit to ensure compliance with applicable federal and state laws, rules, regulations and Navy Federal policies and procedures
Collaborate with the Contact Center and Branch leadership regarding lending products and promotions
Collaborate with other business units and Compliance to assess and support organization risk mitigation needs by developing strategies, tactics, and quality review solutions
Monitor work environment and direct allocation of resources to ensure adequate staffing to meet production and member service standards
Assist with benchmarking and trend analysis to drive continuous improvement, elevate service performance, increase member experience quality, generate revenue, minimize financial risk, and maintain high operational efficiency
Identify and resolve operational and performance gaps and obstacles; implement changes and improvements
Maintain thorough knowledge of applicable federal and state laws, rules, regulations and Navy Federal policies and procedures
Monitor and analyze changes to applicable federal and state laws, rules and regulations; develop action plans for implementation/dissemination, and coordinate changes with affected branches/divisions
Assist with developing and implementing new/updated policies, procedures, goals and priorities for the branch as necessitated by demands, changing conditions, volume or management request
Serve as liaison to internal/external auditors; review and implement recommended/approved procedural changes
Contribute to the completion, evaluation, and submission of reports to senior management
Assist with applying change management principles and knowledge to conduct organizational assessments, develop strategies, change roadmaps and plans
Provide leadership support to large strategic projects and/or programs; ensure effective management of projects from inception through implementation
Perform supervisory/managerial responsibilities
Ensure adequate/skilled staffing; select employees
Establish performance goals and priorities
Prepare, conduct and review performance appraisals
Develop, mentor and counsel staff
Provide input and/or prepare budget requirements for Annual Financial Plan (AFP)
Ensure section/branch goals and objectives align with division/department strategy
Ensure efficiency of operations
Perform other duties as assigned