Member Business Lending Operations Manager

Civic Credit Union•Raleigh, NC

About The Position

The position is responsible for leading the Member Business Loan (MBL) Operations. This manager develops strategies that ensure the organization’s policies and procedures are met. Responsible for driving innovation and providing sound department leadership to maintain the safety and soundness of Civics’ MBL organization collateral. On a daily basis, this manager position is integral to ensuring excellent member service, verifying loan input including new and renewal, payoff, file maintenance, portfolio insurance and collateral perfection. This position is also responsible for reviewing daily and monthly reports and reconciliations along with applicable collateral releases.

Requirements

At least 7-9 year of experience managing and servicing business loans, lines of credit exceeding $10M, and managing loan RE documentation process with an emphasis in commercial loans.
Extensive experience of operational experience in both syndicated and participation commercial loans including experience with working with attorneys or title insurance companies.
Demonstrated knowledge of consumer lending policies, procedures, regulations/legislation and requirements related to collateral perfection and insurance.
Sound understanding of loan GL reconcilements, investor accounting, RE and non-RE closing/documentation process in multiple lending jurisdictions.
Demonstrate ability to multi-task, prioritize, and accept change and function in a team environment.
Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.
Ability to lift a minimum of 25 lbs. (file boxes, computer printer).
Some travel required.

Nice To Haves

3 years of Credit Union credit experience.
Possess strong analytical and computer skills.
Ability to be resourceful and remain flexible.
Technical background and on-going maintenance of loan core system as well as a functional understanding of a loan origination system (LOS).

Responsibilities

Sets the strategic goals for the MBL Operations Department and provides guidance to the team as it relates to the progress and results.
Creates and maintains all Loan Operations written procedures, checklists and job aids while managing operational risk exposures and internal control weaknesses.
Leads the evaluation, testing and/or modifying of current or new products & procedures, according to user requirements that conform to regulatory guidelines.
Manages third party relationships. Continually assesses service levels and ensures systems are effective for our members and internal staff.
Utilizing company resources and support organizations, actively seeks opportunity to implement processes and systems changes accordingly.
Provides staff development on products/services, regulatory compliance, polices/procedures as well as service excellence techniques. Monitors productivity, accuracy and overall job performance for staffing efficiencies.
Partners cross-functionally with other departments, including but not limited to Accounting/Finance, Collections, Lending, Member Services, to ensure timely communication in effort to enable Civic to perceive and react to changing business landscape effectively.
Partners with compliance and Audit to provide loan files and documentation as requested for NCUA, internal and independent third-party MBL audits.
Directs all aspects of loan operations for loan portfolio including insurance monitoring, payoff and release of liens, collateral perfection and safeguarding of documentation. Track key loan data of loan portfolio to ensure complete and accurate input.
Manages all aspects of collateral files of all commercial in a multi-state jurisdiction.
Applies extensive knowledge of loan products in maintaining the loan core processing systems specifications to maximize operational automation and efficiency along with preparing and analyzes monthly reports.
Follows up on titles not received from other Financial Institutions and research outstanding titled processed.
Reviews and process Loan Support pending ticklers and trailing document to ensure the Civic maintains collateral perfection is maintained.
Display integrity, self-awareness, courage, and respect for staff while ensuring learning agility and flexibility communicating and delegating effectively. Work effectively, collaboratively, and creatively in a team-oriented environment both internally and externally.
Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.