EastRise Credit Union · 9 hours ago
Associate Consumer Lending Manager
Williston, VT
Full-time
Onsite
Mid, Senior Level
$78K/yr - $86K/yr
5+ years expEastRise Credit Union is seeking an Associate Consumer Lending Manager to oversee and support the Consumer Lending team. The role involves managing the underwriting process, ensuring compliance with regulations, and improving lending operations.
BankingFinancial Services
Responsibilities
Oversee the centralized consumer underwriting process which includes supervising the consumer lending team to maximize productivity, efficiency, including hiring, training, directing job assignments, monitoring, and documenting staff performance, as needed and at least annually through the performance review process, providing coaching and ongoing feedback
Assist in management of indirect lending program which may include vender due diligence, vendor management of ancillary lending products (GAP, Debt Protection, and others.) Stay abreast of competitors’ rates, terms and other trends relating to consumer lending; provide input for lending interest rates and update rate sheets and disclosures as needed
Identify areas of improvement to create more efficient processes; incorporate improvement measures. Address quality and accuracy issues and provide necessary training. Ensure that underwriting standards are met, applications requests are handled appropriately, and loans are processed, closed, and funded accordingly. Make necessary recommendations to policies and procedures to ensure compliance with federal and state regulations. Assist staff with procedural, regulatory, and practical info related to Consumer Lending functions. Act as technical liaison between users, vendors and Business Solutions, update documents and disclosures, perform testing and training
Perform underwriting when needed to approve or deny consumer loan applications. Field escalated calls and help to resolve difficult and complex issues and requests. Communicate with and support members, vendors, staff, and other departments on their needs. Maintain strict confidentiality practices for the protection and care of members
Assist with the loan reporting responsibilities up to and including board level reporting. Assist with requests for internal and external auditors and examinations as well as department budgets. Assist with research, consumer loan product recommendations and implementation
Participate in and/or act as a technical lead and or project manager on departmental or organization wide projects. Contributes expertise in their assigned area and executes certain deliverables on the project
Qualification
Required
Five years to eight years of similar or related experience, including preparatory experience
A two-year college degree or completion of a specialized course of study at a business or trade school equivalent to approximately 64 credit hours
Must be at least 18 years of age
Favorable Background, Credit, Criminal, Bondability, and Reference Checks required. (Motor Vehicle check dependent on position.)
Must have knowledge of State and Federal laws and regulations that affect consumer loans
Knowledge of consumer loan policies, procedures, products, and services
Must also have strong MicroSoft Office skills including preparing spreadsheets and reports
Must be able to perform job functions with supervision and work effectively either on own or as part of a team
Must be able to read and carry out various instructions and follow oral instructions
Must be able to speak clearly and deliver information in a logical and understandable sequence
Must be able to perform basic mathematical calculations with extreme accuracy
Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization
Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace
Must be able to effectively handle multiple, simultaneous, and changing priorities
Must be capable of exercising highest level of discretion on confidential matters
Must be capable of climbing/descending stairs in emergency situation
Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator
Must be able to routinely perform work on computer for an average of 6-8 hours per day
Must be able to work extended hours whenever required or requested by management
Must be capable of regular, reliable and timely attendance
Company
EastRise Credit Union
At EastRise, we believe that banking should be a source of personal strength and peace of mind.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
John Dwyer
President & CEO
Rob Miller
President and Chief Operating Officer
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