Lending Manager

Houston Police Credit Union•Houston, TX

12d

About The Position

Major Duties and Responsibilities 40% Direct and manage the Loan Intake, Consumer Loan Underwriting and Loan Closing teams. Ensure quality loan applications, approvals and closings meet service-level expectation. Make sound lending decisions within delegated authority and escalate to management when appropriate. Foster a culture of accountability, collaboration and continuous improvement. 20% Develop and monitor Key Performance Indicators (KPIs) to assess individual and team performance in accordance with the organizations risk tolerance. Develop and monitor loan portfolio KPIs to include the Cred Card portfolio. Use date-driven insights to guide operational improvements and efficiencies. Prepare and present periodic reports on loan production, funding accuracy, turnaround times and member satisfaction metrics. Align performance metrics with strategic goals and member service excellence to include cross-selling of ancillary product sales. 30% Provide ongoing coaching and professional development to loa intake, loan closers and underwriters. Conduct regular performance reviews and ensure adherence to policies and procedures. Identify skills gaps and implement training plans to enhance team capabilities. 10% Collaborate in the management of lending-related systems, products, and services to support innovation and loan growth. Collaborate on new product development and promotional campaigns to enhance loan quality and volume. Ensure systems are optimized for efficiency and compliance. Other duties as assigned. Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Supports credit union Core Values of Integrity, Service and Teamwork. Houston Police Credit Union is an Equal Opportunity Employer. We believe that no one should be discriminated against because of their differences, such as age, disability, ethnicity, gender, gender identity and expression, religion or sexual orientation. All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by federal, state, or local law.

Requirements

Five years to eight years of similar or related experience, including preparatory experience.
A high school degree or equivalent
Knowledge of State and Federal regulations affecting consumer loans, personal lines of credit and credit card program.
Knowledge of consumer loan policies, procedures, products, and services.
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs.
Must be capable of climbing/descending stairs in emergency situation.
Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator.
Must be able to routinely perform work on computer for an average of 6-8 hours per day.
Must be able to work extended hours whenever required or requested by management.
Must by capable of regular, reliable and timely attendance.
Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.
Must be able to perform job functions with supervision and work effectively either on own or as part of a team.
Must be able to read and carry out various instructions and follow oral instructions.
Must be able to speak clearly and deliver information in a logical and understandable sequence.
Must be able to perform basic mathematical calculations with extreme accuracy.
Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.
Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace.
Must be able to effectively handle multiple, simultaneous, and changing priorities.
Must be capable of exercising highest level of discretion on confidential matters.
Ability to be highly mobile and agile in order to move without restriction, including carrying loan file folders and reports.

Responsibilities

Direct and manage the Loan Intake, Consumer Loan Underwriting and Loan Closing teams.
Ensure quality loan applications, approvals and closings meet service-level expectation.
Make sound lending decisions within delegated authority and escalate to management when appropriate.
Foster a culture of accountability, collaboration and continuous improvement.
Develop and monitor Key Performance Indicators (KPIs) to assess individual and team performance in accordance with the organizations risk tolerance.
Develop and monitor loan portfolio KPIs to include the Cred Card portfolio.
Use date-driven insights to guide operational improvements and efficiencies.
Prepare and present periodic reports on loan production, funding accuracy, turnaround times and member satisfaction metrics.
Align performance metrics with strategic goals and member service excellence to include cross-selling of ancillary product sales.
Provide ongoing coaching and professional development to loa intake, loan closers and underwriters.
Conduct regular performance reviews and ensure adherence to policies and procedures.
Identify skills gaps and implement training plans to enhance team capabilities.
Collaborate in the management of lending-related systems, products, and services to support innovation and loan growth.
Collaborate on new product development and promotional campaigns to enhance loan quality and volume.
Ensure systems are optimized for efficiency and compliance.
Comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Supports credit union Core Values of Integrity, Service and Teamwork.