Lending Manager

BrightStar Credit Union•Cooper City, FL

18h

About The Position

The Consumer Lending Manager is responsible for leading the credit union's consumer lending operations, including production, underwriting, loan processing, funding, portfolio quality, and member experience. This role oversees day‑to‑day lending activities, ensures compliance with regulatory requirements, develops staff, and supports the strategic growth of the consumer loan portfolio. Portfolio management includes Auto, Credit Cards, Personal Loans, and Small Business Lending.

Requirements

Bachelor's degree preferred or equivalent experience.
10 years' consumer lending experience, with 5 years in management capacity.
Strong understanding of consumer lending products and regulations.
Experience with LOS platforms, product development, and operational efficiencies.
Leadership, analytical, and communication skills.
Strong presentation skills at the executive level.
Excellent reporting and data analysis skills and proficiency in Word/Excel documents.
Excellent written communication skills
Employees must ensure the credit union complies with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions with B.S.C.U. will consider the awareness of unusual or suspicious activity relevant to the department.
In addition to any other assigned training courses, online B.S.A. and O.F.A.C. courses must be completed at least annually, as made available by the Training and Compliance Department.
Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, U.S.A. Patriot Act, O.F.A.C., Fair Lending, and Credit Card Act.

Nice To Haves

Credit Union or financial institution experience preferred.

Responsibilities

Supervise, coach, and develop the consumer lending team.
Establish clear performance expectations and KPI measures.
Foster growth and service culture focused on member satisfaction and target goals.
Manage performance of all consumer-lending products.
Monitor delinquency, charge‑offs, and credit trends.
Manage loan audits and quality control measures.
Ability to create policies and procedures for compliance and operational updates.
Oversee consumer lending workflows.
Ensure timely underwriting, closing, and funding.
Optimize use of LOS systems and decision engines.
Experience developing and implementing new programs, products, and efficient processes.
Vendor management of numerous third-party platforms used in the operation process, including contract review, negotiation, and implementation.
Ensure compliance with all NCUA, federal, and state regulations. Must have a sound application and knowledge of all regulatory practices about lending oversight.
Maintain awareness of regulatory changes, staying current with changes required and managing the implementation for safety and soundness.
Set course and plan to meet the credit union's target strategic objectives.
Analyze market trends and member needs, making adjustments and recommendations to keep the program current.
Build relationships with members and participate in community activities.
Collaborate with marketing on campaigns and new program development.