Consumer Operations Manager

Listerhill Credit Union•Listerhill, AL

About The Position

Overview: The mission of Listerhill Credit Union is to be a financial cooperative focused on improving the lives, including financial health, in the community. In 1952, seven Reynolds Metals employees deposited $5 each with the idea of starting a credit union that was member-owned and member-focused. We serve multiple counties throughout northwest Alabama and south-central Tennessee with a full line of financial solutions. We aspire to reach the highest standards for our core values: Innovation, Excellence, Passion, Integrity, and Community. The Role: Your efforts and ultimate successes should be measurable and recognizable as you strive daily within LCU’s vision: “to value people over profit, proactively seek improvement, work passionately, exceed expectations, and make our community a better place”. The Consumer Operations Manager is responsible for overseeing the day-to-day operations of the credit union’s consumer lending support functions. This role ensures efficient and compliant processing of consumer loans, including system management, title and insurance tracking, and workflow optimization. You will lead a team of Consumer Lending Processors and Specialists, fostering a high-performance culture focused on accuracy, timeliness, and member service. This position plays a critical role in maintaining operational excellence and supporting strategic lending initiatives under the direction of the VP of Consumer Lending.

Requirements

Five to eight years of experience in the Financial Services industry with a background in consumer lending
Excellent with time management, decision making, organizational and presentation skills
Proficient in problem solving, able to make sound, logical decisions
Detail oriented
Ability and flexibility to respond in a fast paced and changing environment
Self-motivated with the ability to work independently with minimal supervision
Proficient with spreadsheets
Strong ability to communicate well verbally and in writing
Commitment to LCU’s Mission Statement and Core Values
Must successfully complete appropriate LCU assessments

Nice To Haves

Bachelor’s degree in a related field preferred

Responsibilities

Responsible for overall Consumer Lending Operations and consumer lending operations staff.
Knowledge of all functions performed and offered by Consumer Lending.
Demonstrate knowledge of all consumer loan products and rates, both within the credit union and from the overall industry
Manage daily operations of consumer lending support functions, ensuring timely and accurate loan processing.
Maintain a cohesive, highly trained, and motivated staff sufficient to meet daily department demands
Supervise and develop Consumer Lending Processors and Loan Operations Specialist; participate in performance evaluations
Oversee loan system configuration, maintenance, and updates in coordination with IT and vendors.
Ensure proper tracking and management of vehicle titles, insurance documentation, and collateral records.
Monitor workflow efficiency and implement process improvements to enhance productivity and member experience.
Maintain compliance with internal policies, procedures, and applicable regulations.
Collaborate with underwriting, servicing, and branch teams to resolve operational issues and improve service delivery.
Provide training, coaching, and performance evaluations for direct reports.
Prepare and analyze operational reports to identify trends, gaps, and opportunities for improvement.
Support audits and examinations by providing documentation and responding to inquiries.
Serve as a subject matter expert on consumer lending operations and system capabilities.
Ensure quality and conformation to underwriting standards, workflow, and consumer lending quality control efforts.
Read and understand all sections of the Listerhill Policy Manual with emphasis on loan policies
Ensure that all department employees are initiating and processing loans per LCU’s policies and procedures as well as federal laws and guidelines
Understand and adhere to a working knowledge of the lending requirements of NCUA, the State of Alabama and other states in which the credit union makes loans, and other applicable related regulations
Oversee and evaluate products and procedures currently in place and collaborate with the VP of Consumer Lending to implement changes as needed
Work with outside vendors to meet credit union needs
Ensure that all approved consumer loans comply with established policies and regulations
Develop recommendations for cost efficiencies and enhancements to products, pricing, and processes by monitoring trends in operations
Research new and/or improved processes and work with Project Management to initiate any changes by including stakeholders in the development and implementation of operational procedures.
Monitor third party vendor enhancements and ensure any changes are tested with core system and other systems before launched.
Perform other duties as assigned