Consumer Loan Manager

Job Title: Consumer Loan Manager

Department: Consumer Lending

FLSA: Exempt

Reports to: Director of Consumer Lending

Approved: 8.12.26

Summary

The Consumer Loan Manager will be directly responsible for loan origination and elevating the member experience within our consumer loan area that includes auto lending (direct and indirect), personal loans, credit cards, real estate equity loans, and business loans while assisting the Director of Consumer Lending in managing the real estate lending program. Primary duties include growing the consumer loan portfolio and creating a frictionless member experience while achieving operational excellence in all facets of the loan cycle. The ideal candidate will be a proven leader who is willing to roll up their sleeves and assist their teams as needed. They will motivate employees to promote high levels of service and sales that best meet members’ financial needs while fulfilling the strategic goals of the credit union. Additional responsibilities include monitoring underwriting guidelines, utilizing technology to enhance loan operations, ensuring consumer loan goals are met in a compliant manner, and assisting in the development of lending policies and procedures.

Essential Job Responsibilities

• Manage all consumer loan processes and lending systems.
• Perform loan underwriting and oversee credit decisions to ensure consistent application of lending guidelines.
• Hire, train, and develop consumer loan department staff.
• Monitor performance, coach, and conduct employee reviews.
• Maintain compliance in all aspects of the consumer loan cycle.
• Coordinate with other departments and managers at the Credit Union.
• Assist CLO and Director of Consumer Lending during loan audits and NCUA exams.
• Monitor and improve lending processes.
• Assist Director of Consumer Lending with loan data management, CDFI reporting, and CECL controls.
• Other duties as assigned.

Knowledge and Abilities

Position Specific

• High sales aptitude.
• Knowledge of and ability to communicate lending products.
• The ability to maintain and foster positive relationships with our members, vendors, and other employees and departments at the credit union.
• Underwriting experience.
• Ability to conduct needs assessments, identify problems, develop solutions and take appropriate course of action.
• PC skills (Microsoft Office Products) and Symitar core processing systems.
• Ability to manage a wide range of tasks in a fast paced environment.
• Ability to work independently with minimal supervision and exercise good judgment.

Abilities for All Employees

• Demonstrated excellence in providing customer service to members and/or internal members and fostering a positive working environment.
• Comfortable working in a fast paced environment, which may include frequent interruptions.
• Excellent computer skills, such as Microsoft Office Suite, including AI, with the ability to learn new software.
• Strong ability to multitask while maintaining attention to detail and performing follow through.
• Excellent communication skills including effective listening, speaking, problem solving, and tact in dealing with internal and external members.
• Ability to maintain privacy and confidentiality.
• Dependability in attendance, punctuality, and meeting deadlines.
• Must have the ability to work independently, and exercise good judgment, initiative, and tact in dealing with internal and external customers.
• Must have the ability to work as a team player while using discretion in decision making and sound judgment in problem solving.

Education, Experience & Certifications

• Candidates must have a bachelor’s degree or combination of education and experience.
• A minimum of five years in a management role with experience in consumer lending is required.
• Must maintain and active NMLS registration.

Physical Requirements

• Repeated motions may include the wrists, hands, and/or fingers.
• Ability to use a keypad and keyboard and mouse for extended periods of time.
• Vision and hearing to normal range (or corrected).
• Adjusting, lifting, carrying, or pushing/pulling objects up to 25 pounds in all directions.
• Remaining in a stationary position, often standing or sitting for prolonged periods.
• Moving about to accomplish tasks or moving from one work site to another

Requirements for All Employees

• Must be bondable
• Professional references, employment, credit and background checks required.
• Reliable transportation
• Ability to follow all Credit Union policies and procedures as well as all banking regulations and federal, state, and local laws.

NOTICE

This job description in no way states or implies that these are the only tasks to be performed by the person occupying this position. You are required to follow any other instructions and to perform any other job related duties.

Requirements are representative of minimum levels of knowledge, skills, and/or abilities. To perform in this position successfully, you will possess the abilities and aptitudes to perform each task proficiently.

Ability means to possess and apply both knowledge and skill.

This position description has excluded the marginal or peripheral functions that are incidental to the performance of primary functions. All requirements are essential to the function of the position.

This job description describes the minimum selection requirements to qualify for the position. However, promotion and other employment decisions are also based on the Credit Union's needs, being in good standing, fully competent performance, and other nondiscriminatory issues.

All requirements are subject to possible modification to reasonably accommodate individuals with disabilities.

Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees.

This position description does not create an employment contract, implied or otherwise, other than an “at-will” employment relationship.