Consumer Lending Manager

Peninsula Federal Credit Union•Escanaba, MI

About The Position

The Consumer Lending Manager directs and coordinates consumer lending activities throughout Peninsula Federal Credit Union, ensuring compliance with Credit Union policies and helping develop lending policies. The role manages lending activity to support Credit Union goals and objectives, monitors product delivery and quality, and addresses problems. It oversees consumer loan department functions and staff, including hiring, reviewing, scheduling, directing, monitoring, and conducting performance reviews. The manager allocates resources to meet operational needs and reviews, approves, denies, or modifies department recommendations. The manager works with the Director of Branch Operations and Branch Managers to keep staff current on consumer lending procedures and policies, coordinates new-hire training with the HR/Training Supervisor, and provides recommendations to underwriters. The role also ensures compliance with lending regulations, develops procedural changes as needed, and establishes annual lending program sales goals with Marketing. The position may require work at other branches and travel between them.

Requirements

Three to five years of similar or related experience.
A two-year college degree, specialized certification or licensing, specialized vendor training, or job-specific skills acquired through an apprenticeship program.
Extensive knowledge of consumer lending and procedures.
Ability to use Excel spreadsheets and word-processing software.
Strong leadership, coaching, and employee development skills.
Proven ability to achieve sales, lending, and growth objectives.
Thorough knowledge of consumer lending practices and member relationship development.
Understanding of mortgage referral processes and closing coordination.
Strong analytical and problem-solving abilities.
Ability to interpret financial and operational performance reports.
Excellent verbal, written, and interpersonal communication skills.
Strong organizational and time-management skills.
Proficiency with core processing systems, Microsoft Office applications, and branch technology platforms.
Knowledge of applicable banking and credit union regulations, including BSA, AML, OFAC, and consumer compliance requirements.
Ability to sit or stand for long periods, use a keyboard, phone, and calculator repetitively, and view a computer monitor throughout scheduled work time.
Availability to work between 7:30 a.m. and 7:30 p.m. Monday through Friday and on Saturday.
Ability to travel to and from other branches when required.

Nice To Haves

Previous customer service or financial experience is a plus.

Responsibilities

Direct and monitor consumer lending maintenance operations across the Credit Union.
Work with the Director of Branch Operations and Branch Managers to ensure staff are current on consumer lending procedures and policies.
Manage lending activities to achieve established Credit Union goals and objectives.
Monitor product delivery and quality and take action to resolve problems.
Oversee consumer loan department functions and supervise department staff.
Hire, review, schedule, direct, and monitor direct reports; conduct performance reviews and allocate resources to meet operational needs.
Review and approve, deny, or modify department recommendations made by subordinates.
Coordinate new-hire training with the HR/Training Supervisor.
Oversee and provide recommendations to underwriters.
Ensure compliance with lending regulations and develop procedural changes as compliance requirements or new programs demand.
Establish annual sales goals for lending programs in conjunction with Marketing and initiate actions to achieve them.
Work at other branches and travel between branches when required.