Director of Lending

Total Community Credit Union•Taylor, MI

About The Position

The Director of Lending leads the credit union’s lending operations and strategy across consumer, mortgage, and HELOC lending. The role oversees loan production, underwriting, portfolio performance, regulatory compliance, and team development while supporting an exceptional member experience and organizational growth. The Director leads the lending team, establishes and monitors goals and performance standards, drives loan growth, and monitors portfolio risk. The position maintains lending policies and controls, serves as a resource for complex loan matters, works with internal teams and third-party vendors to improve lending operations, and presents reports to executive leadership and the Board of Directors. The Director also participates in strategic planning and supports community and business development initiatives. This is a full-time, exempt position reporting directly to the President/CEO. The Director works closely with lending, collections, member service, and branch leadership teams.

Requirements

At least 5 years of consumer and mortgage lending experience in a credit union, bank, or financial institution.
At least 3 years of leadership or supervisory experience.
Strong knowledge of consumer lending, mortgage lending, HELOCs, underwriting, collections, loan servicing, portfolio management, and regulatory compliance.
Experience leading teams, developing procedures, monitoring performance metrics, and achieving operational goals.
Strong analytical, communication, leadership, and problem-solving skills.
Ability to interpret financial and operational data and make sound business recommendations.
Bachelor’s degree in Business, Finance, Accounting, Economics, or a related field.
NMLS registration or ability to obtain it within 90 days of hire.
Certified Financial Counselor designation or ability to obtain it within 180 days of hire.

Nice To Haves

Relevant lending, leadership, or financial services certifications.

Responsibilities

Lead and develop the lending team to achieve performance, service, and growth goals.
Oversee consumer, mortgage, and HELOC lending operations, including underwriting, processing, approvals, funding, servicing, and collections.
Establish and monitor departmental goals, KPIs, and performance standards.
Drive loan growth while ensuring timely decisions and excellent member service.
Monitor portfolio performance, delinquency trends, and risk, and implement strategies to improve results.
Maintain lending policies, procedures, and controls to ensure compliance with NCUA and applicable federal and state regulations.
Serve as the primary resource for complex loan requests, policy exceptions, and member concerns.
Partner with internal teams and third-party vendors to enhance lending products, systems, and operations.
Prepare and present lending and portfolio reports to executive leadership and the Board of Directors.
Participate in strategic planning and support community and business development initiatives.