Consumer Direct Lending Ops - Sup - Direct Lending

Golden 1 Talent Acquisition Team•Sacramento, CA

2d•$93,700 - $100,000•Hybrid

About The Position

The Supervisor - Direct Lending leads operations within Golden 1 Credit Union’s Consumer Direct Lending Operations department. The role oversees staff performance and development, quality control, operational and credit risk management, member and partner service, and adherence to lending policies and applicable laws and regulations. The supervisor reviews complex consumer loan applications and makes decisions within their loan authority, while identifying opportunities to improve lending processes, products, systems, and business models. The position is hybrid in Sacramento, California, and reports to the Manager - Direct Loan Underwriting.

Requirements

Bachelor’s degree or equivalent work experience.
At least 7 years of experience in consumer lending in a judgmental lending environment where a loan origination system (LOS) is used as a guide for decisions.

Responsibilities

Perform quality control and risk assessments to maintain operational and credit risk management controls.
Administer and maintain staff payroll, scheduling, personnel reports, performance appraisals, management analyses, and summary reports.
Promote exceptional service to credit union staff, external business partners, and members; monitor service and implement improvements.
Maintain knowledge of state and federal credit union compliance requirements, including applicable bank secrecy and anti-money laundering laws.
Foster an engaging work environment through skill development, coaching, encouragement, and support for employee morale and the credit union’s mission, vision, and values.
Promote effective collaboration and teamwork with internal departments and external groups.
Maintain working knowledge of employee roles and responsibilities and serve as a leader, role model, and coach.
Develop and nurture mutually beneficial business relationships.
Direct and counsel staff on job duties and credit union policies and procedures; assess staff performance, service, and adherence to the credit union’s credit culture.
Recommend and develop business model enhancements to support strategic goals.
Review, analyze, and evaluate complex loan applications under established policies and underwriting procedures, approving, countering, or denying applications within assigned loan authority.
Ensure loan transactions are accurate, complete, and compliant; review documentation for accuracy and truthfulness; apply fraud detection and prevention techniques; and analyze paystubs and tax returns to assess ability to repay.
Review credit reports and lending ratios to assess capacity, credit utilization, and loan-to-value.
Receive and initiate escalated phone inquiries and communicate loan decision information or reasoning to originators and external business partners.
Address and resolve complaints or issues raised by members, internal staff, and business partners.
Gather information, analyze it, and prepare reports as directed by management.
Oversee training for lending personnel on lending policies, processes, and procedures, as well as administration of lending promotional campaigns.
Recommend and assist with updates to consumer lending product, policy, and procedure materials.
Assist in preparing training and lending presentations.
Oversee lending system upgrade validations, understand the automated loan origination system, and recommend efficiency improvements.
Perform other duties as assigned.