Supervisor

Founded by a small group of educators, Michigan Schools & Government Credit Union (MSGCU) has been providing quality financial services to the community for 70 years and welcomes everyone in Michigan to bank with us. We are financial champions committed to helping our members achieve financial success by rallying behind them and their goals. As the sixth largest Credit Union in Michigan, MSGCU has 22 branch offices in southeast Michigan...soon to be 23 We have over 450 team members, more than 145,000 members, $3.5 billion in assets, and a 95% member satisfaction rating for two decades.

We are a caring organization that strives to ensure an equitable and inclusive culture where everyone is valued and respected. With regular coaching and continuing education, we grow champions - team members dedicated to championing the success of our members. Our commitment to team member engagement has contributed to the honor of being named a Top Workplace by The Detroit Free Press eleven years in a row.

If you have a passion for helping people and providing exceptional and dependable service, we want you on our team

Information about our comprehensive total rewards package can be found here.

Overview of Responsibilities:

Responsible for supervising Consumer Lending Direct or Indirect Underwriters and Home Equity Processors or Funders depending upon the functional focus. Responsibilities include activities related to secured, unsecured and credit card lending, and home equity loans. The Supervisor will assist with projects, product development and work collaboratively with colleagues, including the Information Technology team on loan systems, enhancements, and process improvements.

Essential Duties and Responsibilities:

• As a leader in the lending area, possesses and applies relevant knowledge of business and the marketplace to advance the organization‘s goals; promotes the delivery of excellent and prompt high quality service to deliver the member experience in order to build strong member (internal/external) relationships and deliver member-centric solutions.
• Makes good and timely decisions using sound rationale, available data, and relevant or important factors, regularly reviews loan applications explaining the different financing options, programs available, features and benefits. Obtains credit reports and other verifications as necessary; analyzes credit risks, makes exceptions to lending policy within their lending authority, prepares necessary documents, and approves loans. The team authorizes loans, disburses loans, maintains loan records and ensures compliance with loan policies, procedures and regulations.
• Schedules and supervises the daily activities of the underwriters and home equity processor or funding teams. Directs work by providing direction, delegating effectively, removing obstacles to get work done; empowering team members to make decisions within their areas of responsibility; ensures individual goals align with corporate goals.
• Optimizes work processes by knowing the most effective and efficient processes to get things done, with a focus on identifying process improvement opportunities; works with all stakeholders to test and implement. Assists with developing, testing and implementing new loan products, loan systems, forms and procedures.
• Ensures accountability by holding self and others accountable to meet commitments, ensuring a high level of excellence in a professional, efficient and courteous manner, and taking responsibility for outcomes. Assists Credit Director with preparation of performance appraisals, and in taking corrective action as necessary when departmental/branch objectives are not being attained.
• Drives results by monitoring the performance of team members, overseeing the daily loan production for consumer loans and loan origination systems for timely loan decisions and meeting production goals and work queues. Works with team to ensure that goals are met/exceeded by monitoring decision quality of Underwriters and funding ratios are met/exceeded on approved loans.
• Works collaboratively with all levels of team members to build partnerships and meet shared objectives. Assists with meeting loan regulations/compliance deadlines by working with all Stakeholders, i.e. Consumer Operations, Mortgages, Repayments, Compliance and IT.
• Builds effective teams that apply their diverse skills and perspectives to achieve common goals. Assists and develops team members as needed with loan problem resolution, workout loans and extensions. Reinforces team member‘s efforts for correctly identifying areas of financial strength.
• Communicates effectively by developing and delivering various forms of communication (written, verbal, presentation), that are in alignment with the Credit Union‘s philosophy, mission and values, facilitating discussions and actively listening to convey a clear understanding of the needs of team members, regarding expectations, procedure updates, new products and initiatives of the Credit Union. Effectively listens for cues and determines members‘ needs; courteously resolves member problems by suggesting alternative products and services when applicable. Ensures timely callbacks to all business partners and members.
• Ensures timely problem resolution of open IS Work Orders, open Symitar cases, etc.
• Assists in developing the annual budget and monthly budget variance reporting.
• Drives engagement by influencing others and by creating a healthy climate where team members are motivated to do their best to help the organization achieve its objectives.
• Instills trust by gaining the confidence and trust of others through honesty, integrity and authenticity, models behaviors that align with organizational values; makes responsible choices and exemplifies courage by stepping up to address difficult issues and saying what needs to be said. Maintains a trusting relationship with direct team, peers, and leads by example.
• Models self-development by actively seeking new ways to grow and be challenged, and exhibits self-awareness by soliciting feedback and through reflection gains productive insight into personal strengths and weaknesses. Applies feedback to personal development using both formal and informal development channels.

Essential Preparation, Training, and Experience:

• Associate degree in Business Administration, Finance or related field or the equivalent combination of education and relevant work experience; and
• 3 years of related, progressively more responsible underwriting experience, preferably within a financial institution to gain the necessary background to manage lending and member services and interact effectively with team members and members.
• Minimum high school diploma or GED required.
• Supervisory experience preferred.
• Preference will be given to candidates with direct or indirect lending experience.

Essential Knowledge, Skills, and Abilities:

• Experience with and a focus on delivering a rich and awesome member and team member experience, implementing best practices to drive satisfaction and engagement.
• Excellent organizational, time, and resource management skills that enable and support collaboration with fellow leaders and peer groups.
• Strong coaching, mentoring and overall leadership, management and development of team members using positive management techniques to ensure maximum effectiveness while overseeing primary area of responsibility.
• Demonstrated aptitude for understanding and applying credit union policies and procedures.
• Proficient with technology including, lending systems, Word, Excel and PowerPoint.
• Thorough knowledge of lending and collections policies and procedures to coordinate the daily functions of the consumer lending and responsive to team member and member questions.
• Complete familiarity with the credit union‘s savings, checking, and lending policies and guidelines, as well as specific loan programs, qualifications, insurance, etc.
• Above average interpersonal skills necessary to resolve team member, member and dealer concerns, and to promote and cross sell savings and loan products and services to members.
• High level of critical thinking skills, reasoning, mathematical, and learning ability and attention to detail.

Working Conditions:

• Office and branch location environment with little discomfort from noise, extreme temperature, dust, or other factors.
• Occasionally required to travel throughout the MSGCU‘s service area as business needs require.
• Exposed to potentially hazardous conditions, such as robbery. Receives detailed instructions and security procedures on an annual basis to minimize risk.
• This work involves sitting most of the time with brief periods of walking or standing and may occasionally require lifting and/or moving up to 10 pounds.

Compensation and Benefits:

Competitive salaries are just the starting point for MSGCU team members. We also champion our team members with generous health benefits, vacation time, retirement plan contributions and discounts on loans and phone service also come with the job.

• Base salary begins at $69,000 / year
• Medical, dental and vision on your first day You can choose the most generous Health Savings Account (HSA)-eligible medical plan with no monthly premium for you (and your family)
• If you are at least 21 years old, you will receive a 3% contribution from MSGCU, and a 100% match for the next 7% you contribute to your 401(k)
• You will enjoy 12 paid holidays and up to 120 hours of PTO your first year of service (pro-rated based on start date)