Loan Manager

2 weeks ago

Sacramento, United States California Community Credit Union Full time

**(Full-Time - Sacramento)****:
**Salary Range**:
$32.97 to $35.16 depending on experience

**Qualifications**:
Minimum of 5 years of progressively responsible lending and management responsibilities. Advanced knowledge of Federal and State rules and regulations and credit union procedures and policies. Solid knowledge of financial concepts, products, and services in a financial services environment. Have leadership skills and ability to motivate self and team members. Demonstrate positive demeanor and outgoing attitude. Professional verbal/written communication skills and presence. Have a high degree of organizational skills and able to prioritize duties on a daily basis. Must possess the ability to multi-task and work efficiently and be computer literate. Must be bondable and flexible to perform any duties as required.

**Knowledge/Skills**:

- Ability to work as part of a team
- Reliable work attendance
- Professionalism in verbal and written communications
- Knowledge of California Credit Union Law and Regulations
- Comfortable with and willingness to learn and master new and emerging banking technology.

**Basic Function**:

- Collaborate with loan officers, loan processors, and frontline teams to provide support and guidance regarding guidelines and to streamline the consumer loan processes while enhancing the member experience.
- Ensure policies and procedures stay in compliance with rules and regulations.
- Provide information to members regarding credit union loan products, policies, requirements, and terms.
- Review loan approvals and denials for soundness of conclusion.
- To ensure excellent service to branches and membership, performs all functions of a Loan Officer and/or Member Service Representative Position when needed.

**Responsibilities**:

- Reviewing policies, procedures, processes, and practices on a regular basis to ensure compliance with applicable laws/regulations and creating updating, maintaining, and recommending improvements to current processes, procedures, and policies.
- Formulate and maintain a loan procedure manual for the consumer loan department that is up-to-date with all requirements.
- Assess each team members strengths and weaknesses to determine additional training needs.
- Provide coaching, constructive feedback, training, and tools to lead and motivate loan processors and loan officers.
- Create additional training materials that guide staff through the consumer loan process.
- Recommend appropriate limits of authority for consumer loan personnel.
- Hold loan processors and officers accountable for following policies and procedures and ensuring their work is accurate/efficient.
- Distribute all pertinent information to management and staff.
- Maintain knowledge of competitor’s rates and terms and other trends relating to consumer lending. Construct and recommend products, rates and terms that reflect the marketplace.
- Update systems and communicate any interest rate changes to staff and membership.
- Handles complaints from members in branch and keeps upper management informed of situations.
- Provides accurate and complete information to members regarding credit union loan products.
- Ensures proper housekeeping of work areas, desks, and equipment to provide a professional appearance.
- Assists in the implementation of new products or programs adopted to provide better service to current credit union members and stimulate new growth.
- Has complete knowledge of data processing and software systems utilized by the Credit Union.
- Within approved limits, authorizes exceptions to normal procedures when circumstances warrant, per guidelines.
- Prepares and submits loan documentation for all requests that exceed your Loan Officer Limits or that exceed normal guidelines to Management or a Loan Officer that has sufficient authority.
- Informs and explains to member the approval, counteroffer, or denial of loan request. Follows up with members, on a consistent basis, on any pending loans (approved but not funded).
- Ensures accurate completion of all DMV documentation of private party sales. Maintains DMV files on all title loans and assures proper and timely title recordation by filing certificates of title and researching and resolving any problems.

**Physical Requirements**:

- Must be able to frequently move about the branch to accomplish tasks.
- Prolonged standing through the workday, at times.
- Corrected vision within the normal range.
- Hearing within the normal range.
- Ability to lift 30 lbs. as may be required.
- Must be willing to report to the Sacramento (Main), Elk Grove, Roseville & Modesto branch locations - when required.

**Employee Benefits (Full-Time Positions)****:
**UFCW 8 Golden State CBA that includes**:

- Medical/Dental/Vision
- Paid Sick Leave
- Pension Plan
- Scholarship Program
- Free College Program

Credit Union experience preferred, hourly pay rate depending on experience and qualifications.

California Community Credit Union is an Equ

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