Assistant Manager, Consumer Lending

Redwood Credit Union•Napa, CA

About The Position

Redwood Credit Union is seeking a Consumer Lending Assistant Manager who will under limited supervision, perform work requiring the use of judgment and discretion in making lending decisions. Responsible for the supervision and management of team members within the department while directing and coordinating effective sales and service activities. Work closely with management to analyze workflows, systems and information and recommend future development of department programs, procedures, and staff. Key Responsibilities Loan Review and Member Support: o Analyze loan requests and applications to make decision for loan approval, denial, or counteroffers, up to established Board approved lending limits. o Perform immediate loan review and render loan decision while Member is present. o Input application from direct Member calls and makes decisions under the guidelines of established Board approved loan limits. o Ensure confidentiality and safeguard sensitive Member financial information. o Recognize and propose changes in the workflow to maintain maximum efficiency. o Counsel Members on loan requirements and matters affecting the granting of loans. o Discuss loan options and programs that will benefit each Member and ensure quality Member service. o Recommend and suggest course of action to Members that help them qualify for a loan. o Provide exceptional service to all Members, volunteers, internal team members, and service providers. Leadership: o Manage performance, train, motivate, coach, counsel and assign duties for team members under direct supervision. o Perform branch visits as necessary to assist with training needs. o Communicate policy, product, and pricing changes to ensure quality Member service. o Analyze and recommend decision of loan requests which are not within RCU lending guidelines. o Conduct team meetings to disseminate pertinent information and discuss procedures, policies and/or problems to ensure optimum teamwork. o Develop and maintain written procedures for Consumer Lending department. o Compose reports on loan volume and service Consumer Lending Manager on a regular basis. Other Functions: o Serve on RCU Committees as assigned. o Participate in community events, community volunteer boards and associations. Join us and discover why you'll love working at Redwood Credit Union! ABOUT REDWOOD CREDIT UNION (RCU): At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad. As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all. Why work for Redwood Credit Union? 27th largest credit union in the U.S. and the largest financial institution based in the North Bay Awarded a 5-Star Rating based on 6/30/24 financial data by Bauer Financial Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025" Recognized by Newsweek as one of "America's Best Credit Unions 2026" Top Corporate Philanthropists (#24) - San Francisco Business Times Voted Best Places to Work in the North Bay 20 years in a row World-class Employee Engagement scores Rated Superior in Service by more than 90% of Members, surveyed by SF Gate Industry leading Net Promoter Scores across the U.S.

Requirements

Thorough knowledge and understanding of consumer and mortgage loan products offered by RCU.
Thorough knowledge of lending principles, practices, rules, regulations, and sales.
Knowledge of product guidelines and compliance requirements.
Proficient skill in the operation of a PC with the use of word processing, spreadsheet, presentation, and internet loan origination software.
Ability to effectively plan, lead and manage to ensure successful completion of departmental sales and service goals and Credit Union objectives.
Ability to communicate effectively both verbally and in writing.
Ability to compose guidelines and procedures for new loan products.
Ability to establish and maintain effective working relationships with a diverse group of people including vendors and other Credit Union team members.
Ability to act independently and confidentially, using discretion and tact.
Ability to analyze situations and recommend workable solutions.
Ability to coordinate a variety of activities simultaneously and prioritize work.
Position requires the ability to be a registered and designated endorsee with the California Department of Insurance.
The ideal candidate has a combination of education and experience equivalent to an associate degree, plus a minimum of six years of experience in the consumer lending industry.

Responsibilities

Analyze loan requests and applications to make decision for loan approval, denial, or counteroffers, up to established Board approved lending limits.
Perform immediate loan review and render loan decision while Member is present.
Input application from direct Member calls and makes decisions under the guidelines of established Board approved loan limits.
Ensure confidentiality and safeguard sensitive Member financial information.
Recognize and propose changes in the workflow to maintain maximum efficiency.
Counsel Members on loan requirements and matters affecting the granting of loans.
Discuss loan options and programs that will benefit each Member and ensure quality Member service.
Recommend and suggest course of action to Members that help them qualify for a loan.
Provide exceptional service to all Members, volunteers, internal team members, and service providers.
Manage performance, train, motivate, coach, counsel and assign duties for team members under direct supervision.
Perform branch visits as necessary to assist with training needs.
Communicate policy, product, and pricing changes to ensure quality Member service.
Analyze and recommend decision of loan requests which are not within RCU lending guidelines.
Conduct team meetings to disseminate pertinent information and discuss procedures, policies and/or problems to ensure optimum teamwork.
Develop and maintain written procedures for Consumer Lending department.
Compose reports on loan volume and service Consumer Lending Manager on a regular basis.
Serve on RCU Committees as assigned.
Participate in community events, community volunteer boards and associations.

Benefits

Competitive medical, dental, and vision insurance, mental health offerings
Employee performance incentive plan
Salary Advancement– Merit increase based on performance
401(k) program with employer match
Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!
RCU employees are eligible for a .75% discount off RCU standard collateral auto loans
RCU employees are eligible for a 1% discount on all recreational or boat loan products
2% discount off Visas and LOC Loans through RCU
0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.
0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.
0% interest on garment, fitness, or home office equipment loan of up to $500
100% financing for employee purchased homes!