Consumer Lending Manager

Peninsula Federal Credit Union•Escanaba, MI

About The Position

The Consumer Lending Manager directs and coordinates consumer lending activities across the Credit Union, ensuring compliance with Credit Union policies and applicable lending regulations. The role helps develop lending policies, manages lending activity to meet organizational goals, and monitors product delivery and quality. The manager oversees consumer loan department functions and staff, works with branch leaders to keep staff current on lending procedures and policies, and provides recommendations to underwriters. The role also develops procedural changes as needed, coordinates new-hire training with HR/Training, and establishes annual lending sales goals with Marketing. This position requires extensive knowledge of consumer lending, lending procedures, member relationship development, and applicable banking and credit union regulations. It involves leadership, coaching, staff development, operational analysis, and communication with internal and external contacts. The work environment requires availability between 7:30 a.m. and 7:30 p.m. Monday through Friday and on Saturday, with possible work at and travel to other branches.

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.
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 and use a keyboard, phone, and calculator repetitively; ability to 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 as needed.

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 meet 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; allocate department resources; and review and approve, deny, or modify subordinate recommendations.
Coordinate new-hire training with the HR/Training Supervisor.
Oversee and provide recommendations to underwriters.
Ensure compliance with lending regulations.
Develop procedural changes in response to compliance requirements or new programs.
Establish annual sales goals for lending programs in conjunction with Marketing and initiate action to achieve them.