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OnPath Credit Union · 3 weeks ago

Director of Consumer Lending

Metairie, LA

Full-time

Onsite

Mid, Senior Level

$112K/yr - $168K/yr

5+ years exp

OnPath Credit Union is dedicated to delivering exceptional service and is seeking a Director of Consumer Lending. This role is primarily responsible for overseeing the Consumer Loan department, managing staff, and ensuring productivity and profitability while building relationships with members to help them achieve financial success.

Financial ServicesLendingNon Profit

Responsibilities

Responsible for sound decision making within the Loan Officer functions building and growing the loan portfolio and yield

Manages underwriting of Consumer and small dollar commercial lending. Responsible for the flow and processes of consumer loans, focusing on accuracy, speed, and automation

Works daily within the scope of the Lending Policy and Process; approves and declines loan applications as necessary

Assists Processors and Loan Officers when necessary to maintain acceptable turnaround time and member service expectations

Ensures staff is well-trained, effective, and utilized optimally. Provides leadership through clear objective setting, effective delegation, and open communication. Conducts meetings as needed to inform staff of policy, procedural, and legal updates. Discusses areas for improvement and identifies training needs. Develops and implements training programs, conducts training sessions, and facilitates cross-training where appropriate. Managers leave and time sheets and carries out performance appraisals as required and formulates and implements corrective actions when necessary

Demonstrates creative thinking skills by raising new marketing ideas and concepts for improving efficiency and generating new business

Works with staff on how to communicate with members to arrive at suitable repayment methods and schedules; and when necessary, communicate with members directly

Ensures proper maintenance of all areas under his/her supervision

Oversees implementation of new platforms and updates within programs as applicable

Manages the Indirect Loan program. Directly supervises the Indirect Dealer Reps and other staff to grow the portfolio in a sound manner, making recommendations for program changes and rate changes as applicable

Reports Consumer loan stats and performance, Score Card Management and any other portfolio management needs using resources like Ncino, DOMO and the core, keeping Executive team informed of progress

Leads Consumer Loan Project management and implementation of new products, services and platforms

Stays informed of regulatory, policy and procedural requirements to ensure compliance throughout the underwriting and credit administration processes

Keeps well informed as to market economic conditions as it relates to assessing credit risk

Ensures compliance with internal credit union commercial loan policy, credit risk management policy and external regulatory requirements; documents any exceptions to policy and related rationale/mitigates

Performs other duties as assigned by management of the credit union

Qualification

Consumer Lending ManagementLoan UnderwritingPortfolio ManagementRegulatory ComplianceAnalytical SkillsStaff TrainingSalesforce.comMicrosoft WordMicrosoft ExcelCommunication SkillsProblem-Solving Skills

Required

Five to ten years of similar or related experience, including time spent in preparatory positions

Bachelor's Degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree or work experience in the same field with positive results

The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring significant level of influence and trust

Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position

Developed analytical and problem-solving skills

Strong written and verbal communication skills

Ability to work effectively with individuals and groups across the credit union to manage internal and external member relationships

Proficiency with personal computers and related software packages such as Word, Excel, Salesforce.com, Visible Equity, and other business machines and platforms

Ability to thrive in an entrepreneurial, team-oriented, and mission driven environment

Ability to take initiative and prioritize tasks; good time-management, organizational, problem-solving, and problem-prevention skills

Ability to work independently

Solid knowledge of the local and industry standards within Consumer Lending

Knowledge and understanding of loan portfolio management

Working knowledge of regulations and compliance affecting consumer lending

Benefits

Impressive Benefits Package including Medical, Dental, Life Insurance, and 401(K) Plan

Paid Vacation, Wellness, Sick Time, and more!

Company

OnPath Credit Union

Communities thrive when their residents make educated financial decisions: How do I get the home I want? When is the best time to purchase a vehicle? What are my best options when choosing a checking or savings account? At OnPath Federal Credit Union, we help members clearly define their needs, identify solutions and help them customize the financial products and services that best satisfy their unique situations.

Founded in 1961

Jefferson, Louisiana, USA

51-200 employees