Assistant Manager, Consumer Lending Portfolio

Consumer Lending Strategic LeaderNavy Federal is seeking a strategic and analytical leader to shape the vision and roadmap for Consumer Lending products, including Auto and Personal Loans. In this role, you will lead initiatives focused on understanding, measuring, and improving the end-to-end experience for key processes throughout the consumer loan lifecycle to strengthen member engagement, satisfaction, and loyalty strategies. Leveraging market research, member insights, and deep subject matter expertise you will serve as a liaison between key business stakeholders and technology teams, ensuring alignment of Consumer Lending's business objectives with the organization's strategic vision and goals. This is a high-impact opportunity for a forward-thinking leader who can translate data into vision, and vision into strategyhelping us deliver meaningful value and best-in-class experiences to the members we proudly serve.Responsibilities:Assist with developing branch strategy, establish priorities and set goals to include both Loan Originations and Portfolio growth; evaluate and implement standards to ensure alignment with department/organizational objectives and AFPsAnalyze consumer loan risk performance and statistical data; identify trends and recommend improvements to automated systems, policies, procedures and practicesAssist with developing and implementing consumer lending risk controls and credit management policies for the business lineResearch and resolve inquiries from both vendors and membersEstablish guidelines for credit risk measures and automationCoordinate with Lending Systems support team and ISD during outages to ensure prompt restoration of services; assess the impact on business line productionCoordinate with Credit Policy and Analytics on all pricing and Custom Scorecard changesDevelop and implement lending/underwriting criteria/guidelines for the various levels of credit and for approving consumer loan applicationsMonitor completion of quality control audits in conjunction with Lending Operational Risk and Internal Audit to ensure compliance with applicable federal and state laws, rules, regulations and Navy Federal policies and proceduresCollaborate with the Contact Center and Branch leadership regarding lending products and promotionsCollaborate with other business units and Compliance to assess and support organization risk mitigation needs by developing strategies, tactics, and quality review solutionsMonitor work environment and direct allocation of resources to ensure adequate staffing to meet production and member service standardsAssist with benchmarking and trend analysis to drive continuous improvement, elevate service performance, increase member experience quality, generate revenue, minimize financial risk, and maintain high operational efficiencyIdentify and resolve operational and performance gaps and obstacles; implement changes and improvementsMaintain thorough knowledge of applicable federal and state laws, rules, regulations and Navy Federal policies and proceduresMonitor and analyze changes to applicable federal and state laws, rules and regulations; develop action plans for implementation/dissemination, and coordinate changes with affected branches/divisionsAssist with developing and implementing new/updated policies, procedures, goals and priorities for the branch as necessitated by demands, changing conditions, volume or management requestServe as liaison to internal/external auditors; review and implement recommended/approved procedural changesContribute to the completion, evaluation, and submission of reports to senior managementAssist with applying change management principles and knowledge to conduct organizational assessments, develop strategies, change roadmaps and plansProvide leadership support to large strategic projects and/or programs; ensure effective management of projects from inception through implementationPerform supervisory/managerial responsibilitiesEnsure adequate/skilled staffing; select employeesEstablish performance goals and prioritiesPrepare, conduct and review performance appraisalsDevelop, mentor and counsel staffProvide input and/or prepare budget requirements for Annual Financial Plan (AFP)Ensure section/branch goals and objectives align with division/department strategyEnsure efficiency of operationsPerform other duties as assignedQualifications:Significant progressively responsible experience in leading and managing a multi-functional, multi-location lending operation, including operational and regulatory risks and controls, preferably for a large financial services organizationAdvanced knowledge of applicable federal and state laws, rules, and regulations that govern consumer lendingAdvanced knowledge of banking/financial industry trends, products and servicesAdvanced knowledge of consumer lending industry, best practices, and automated financial systemsAdvanced knowledge of macro-economic conditions impacting the businessAdvanced knowledge of ACAPS, Loan Officer User Interface, STRATA, and Custom ScorecardSignificant experience in managing multiple priorities independently or in a team environment to achieve goalsSignificant experience working with all levels of staff, management, stakeholders, vendorsSignificant experience in demonstrating thought-leadership, initiative-taking, decision-making and creativity solving business problemsAdvanced knowledge of data querying, reporting, forecasting, analysis and operations research, including statistical methodsSignificant experience in delivering presentations to virtual and in person teamsSignificant experience in managing cross-functional, multi-dimensional teams and projects of the highest complexity which have business risk and impactAdvanced skill developing and implementing programs in a leadership role, providing vision and strategic thinking around a full range of technical decisions and issuesAdvanced skill identifying and analyzing business requirements and recommending solutionsAdvanced skill exercising initiative and using good judgment to make sound decisionsAdvanced skill in producing desired results and achieving goals and objectivesAdvanced analytical/quantitative, reconciliation and deductive reasoning skillsAdvanced skill to influence, negotiate and persuade to reach agreeable exchange and positive outcomesAdvanced problem solving, collaboration, critical thinking, team building, and presentation skillsAdvanced skill presenting findings, conclusions, alternatives and information clearly and conciselyAdvanced analytical thinking skills to include summarizing information and clearly identifying key elements, patterns, results or relationshipsAdvanced leadership skills, marked by poise, positive influence, and the ability to drive changeAdvanced skill to effectively manage a remote distributed workforce across multiple locations and time zonesAdvanced verbal, interpersonal and written communication skillsAdvanced word processing, spreadsheet, and presentation software skillsBachelor's degree in Business Administration, Finance, or related field, or the equivalent combination of education, training, and experienceDesired Qualification:Advanced knowledge of Navy Federal's automated systems used in the DepartmentAdvanced knowledge of Navy Federal's functions, philosophy, operations and organizational objectivesMaster's degree in Business Administration, Finance, or related fieldHours: Monday - Friday, 8:00AM - 4:30PMLocations: 820 Follin Lane, Vienna, VA 22180 | 141 Security Drive, Winchester, VA 22602 | 5510 Heritage Oaks Drive, Pensacola, FL 32526About Us:Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks. Our approach to careers is simple yet powerful: Make our mission your passion. Fortune 100 Best Companies to Work For 2025 Yello and WayUp Top 100 Internship Programs Computerworld Best Places to Work in IT Newsweek Most Loved Workplaces Fortune Best Workplaces for Women 2024 2025 PEOPLE Companies That Care Newsweek Most Trustworthy Companies in America Military Times 2024 Best for Vets Employers Best Companies for Latinos to Work for 2025 Forbes 2025 America's Best Large Employers Forbes 2025 America's Best Employers for New Grads Forbes 2025 America's Best Employers for Tech Workers 2