TBA Credit Union · 6 hours ago
Loan Operations Leader
Traverse City, MI, US
Full-time
Hybrid
Mid, Senior Level
$60K/yr - $80K/yr
3+ years expTBA Credit Union is dedicated to serving the community and building trusted relationships. The Loan Operations Leader is responsible for overseeing consumer loan processing and underwriting functions, ensuring smooth lending operations and exceptional service delivery to members and team members.
BankingCredit CardsFinancial ServicesLending
Responsibilities
Lead, mentor, evaluate, and coach following teams. Including operations, priority setting, and performance monitoring to ensure exceptional member experience
Assume responsibility for maintaining a strong sales and service culture within the credit union
Establish individual and departmental goals and coach team members to exceed expectations
Develop and train team members in coordination with Human Resources to achieve efficiency in the operations of reporting teams. Maintain high team member morale, ensure conformance to policies, procedures, and regulatory requirements. Recognize team members who perform at a high level
Ensure reporting departments and team members are compliant with credit union regulations and procedures as set forth by the NCUA and other regulatory agencies
Review, analyze, and underwrite consumer loan applications within established authority and policies
Ensure loan decisions are made based on complete and accurate information
Partner with internal departments, dealers, vendors, and members to resolve questions, clarify decisions, and maintain strong working relationships
Oversee the operational administration of specialized lending programs involving third‑party partners, ensuring clear communication, consistent processes, and strong relationships that support smooth program execution
Support ongoing improvements in consumer lending operations, recommend policy updates, procedure streamlining, and system enhancements
Ensure consumer lending operations remain compliant with all regulations, credit union policies, and audit expectations
Assist leadership with reporting, analysis, and progress toward consumer lending goals and strategic initiatives
Administer loan operations software, and related applications, ensure team members are trained to use the system with proficiency, and troubleshoot with vendor when required
Administer collateral security filling systems to ensure liens are processed accurately and timely
Project professional and courteous behavior
Responsible for supporting the strategic plan of the credit union
Maintain comprehensive knowledge of credit union products and services
Meet established minimum expectations
Ability to be bonded
Ability to clear credit and criminal history check
Compliance with the U.S Patriot Act and the Credit Union’s Bank Secrecy and OFAC Policies and Procedures
Compliance with the Gramm-Leach-Bliley Act and the Credit Union’s Information Security program, maintaining the privacy and security of information, systems, and locations
Assist and collaborate with department leaders about special projects, compliance, policy and procedure expectations, and development of new products and services
Conduct periodic reviews of existing systems, products, and procedures. Make recommendations to improve efficiency
Underwrite consumer direct, consumer indirect, and small business loans providing approvals, counteroffers, and denials within lending policies
Make loan decisions based on the analysis of the credit profile, ratings, collateral evaluation, loan policies and guidelines within established timeline expectations
Ensure all loan processing and supporting documentation are complete, compliant, and meeting time expectations prior to closing loans
Serve as primary support for all consumer loan processing tasks, ensuring timely and accurate completion of required steps
Ensure that loan packages prepared by outside partners meet the same documentary standards as our internally prepared document packages
Ensure loan processes are documented, accurate and efficient, proactively working towards continual improvement
Oversee follow‑up trackers for post‑closing needs (titles, exceptions, insurance updates, etc.) and ensure timely resolution
Maintain consistency in underwriting decisions through training, communication, and review of loan files
Collaborate with Compliance Officer for audit and compliance recommendations
Interact effectively with other departments, leaders, and external partners to ensure quality service delivery throughout the credit union
Manage the security and safety of the team, analyzing security and safety policies and procedures and alerting team members to any changes
Stay abreast of industry trends by participating in seminars, training sessions, and workshops
Conduct team meetings and regular 1:1 meetings to ensure team members are well informed and have an opportunity to share feedback
Hold team members accountable to performance expectations, service standards, and credit quality requirements
Exemplify the credit union mission, core values, and service expectations
Support the culture of TBACU and employee engagement
Qualification
Required
High school diploma or equivalent, required
Three to five years of consumer lending experience required
Three years of underwriting experience, required
Three years of demonstrated leadership experience, which may include peer leadership, training, mentoring, or leading projects or initiatives, required
Ability to be bonded
Ability to clear credit and criminal history check
Compliance with the U.S Patriot Act and the Credit Union's Bank Secrecy and OFAC Policies and Procedures
Compliance with the Gramm-Leach-Bliley Act and the Credit Union's Information Security program, maintaining the privacy and security of information, systems, and locations
Possess good time management and organizational skills, and the flexibility and determination to handle deadlines and a wide variety of duties each day
Knowledge of and successful experience with conflict resolution
Ability to take initiative in recommending/making changes to improve efficiency
Share responsibility for managing the public reputation of the credit union
Maintain a positive and cooperative approach towards work and working with team members and members
Service focused behavior with strong commitment to excellence
Excellent listening, clear verbal, and professional written communication skills
Comfortable speaking in public
Self-motivated and willing to learn new technology and applications
Accurate and detailed self-starter who can exercise independent judgement and make sound decisions
Ability to lead small and large groups
Proficient in Windows Operating System and Microsoft Office Suite/o365 Suite
Strong typing (Includes: 10 keys) and basic technology problem solving skills
Preferred
Bachelor's degree with a concentration in business, finance or related field or equivalent work experience, preferred
Proven implementation of new products, services and/or processes, preferred
Company
TBA Credit Union
TBA Credit Union offers banking, lending, credit report analysis, mortgages, credit cards, loans and notary services.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Chris Milliron
Chief Lending Officer
Company data provided by crunchbase