Director of Consumer Loans

Kendall•Miami, FL

About The Position

The Director of Consumer Lending provides day-to-day leadership, performance management, and oversight of the credit union’s consumer lending operations, including auto loans, personal loans, and credit cards delivered through direct and fintech-enabled channels. The role is accountable for achieving lending goals while maintaining strong credit quality, regulatory compliance, operational efficiency, and an exceptional member experience. The Director manages department operations, staffing, workflows, resource allocation, and performance goals. The position oversees consumer portfolios, underwriting, lending compliance, quality assurance, collateral tracking, and loan decisioning. It also serves as the primary relationship manager for fintech partners, overseeing partner performance, integrations, and ongoing optimization of digital lending platforms. The role ensures lending products, processes, and partnerships support sustainable growth and remain aligned with the credit union’s risk appetite and strategic plan. It leads process improvement and automation efforts, develops staff, collaborates across departments, and reports on lending performance, risks, and improvement initiatives to senior leadership.

Requirements

Exceptional organizational skills.
Expert spreadsheet preparation skills.
Excellent verbal and writing skills.
Strong operational and analytical skills, including the ability to interpret performance and risk data.
Strong relationship management and communication skills.
Strong business management skills.
Proven leadership and team development capabilities.
Thorough understanding of consumer credit risk and regulatory compliance.
Ability to manage multiple priorities in a fast-paced lending environment.
Computer skills.

Responsibilities

Direct and monitor lending operations in alignment with the credit union’s strategic plan, including consumer portfolios, underwriting, lending compliance, quality assurance, and collateral tracking.
Oversee daily direct and fintech consumer lending operations and ensure consistent execution of lending policies, procedures, and service standards.
Manage staffing, workflows, and resource allocation to support loan volume, service levels, and turnaround-time goals.
Establish, monitor, and report KPIs for production, efficiency, credit quality, and member experience.
Align department goals with the credit union’s strategic plan and consumer lending strategy, and support business and marketing initiatives to enhance loan production.
Maintain lending vendor relationships in accordance with timing and business needs, and recommend retention or changes.
Oversee underwriting for auto loans, personal loans, and credit cards, ensuring consistency, accuracy, and adherence to approved credit policies.
Monitor loan decisioning, exceptions, and overrides to maintain appropriate risk controls.
Partner with risk management and lending leadership to recommend credit policy, pricing, and underwriting updates based on portfolio performance and market conditions.
Ensure underwriting and lending processes balance growth, risk, and member value.
Approve or deny loan applications, including applications from credit union employees.
Serve as a lending compliance subject matter expert, provide fair lending guidance to management, and assist with compliance training.
Ensure consumer lending operations comply with applicable federal and state regulations, including Fair Lending, UDAAP, ECOA, FCRA, TILA, and credit card-related requirements.
Partner with Compliance, Risk, and Internal Audit to support examinations, audits, reviews, and issue remediation.
Monitor portfolio trends, delinquency, losses, and exception reporting to identify and mitigate emerging risks.
Maintain controls, documentation, and processes that support safe and sound lending practices.
Serve as the primary relationship manager for fintech lending partners supporting consumer loan originations and servicing.
Monitor fintech partner performance against service-level agreements, production goals, credit quality, and compliance expectations.
Coordinate with internal teams to ensure fintech integrations, processes, and reporting meet operational and risk standards.
Identify opportunities to optimize fintech partnerships for efficiency, scalability, and member experience.
Hire lending staff, complete performance evaluations, and prepare development plans as necessary.
Evaluate lending workflows and systems for opportunities to automate, standardize, and improve processes.
Lead or support initiatives to improve operational efficiency, reduce cycle times, and improve data quality and reporting.
Keep procedures and documentation current, accurate, and consistently followed across lending channels.
Lead, coach, and develop lending staff, fostering accountability, engagement, and continuous improvement.
Collaborate with IT, Marketing, Finance & Accounting, Risk & Compliance, Digital Services, and Member Services on lending initiatives.
Provide senior leadership with regular reporting and updates on operational performance, risks, and improvement initiatives.
Compile and analyze data to evaluate current and future loan production, portfolio, and performance.
Perform other duties as assigned.