Consumer Lending Manager

7 days ago

Portland, United States PFCU Credit Union Full time

SUMMARY

To assist the credit union in achieving its mission statement, "PFCU WILL DELIVER FINANCIAL WELL-BEING WITH VALUE, CONVENIENCE AND EXCEPTIONAL SERVICE," the Consumer Lending Manager is responsible for overseeing the daily operations of PFCU's comprehensive consumer lending program to align with the credit union's strategic objectives and goals. To execute on this expectation, they will be responsible for lending decisions; approves, denies or counter-offers approval of borrower's applications for credit or extension of lines of credit, consumer credit loans, or credit card accounts according to existing loan policy. The Consumer Loan Manger will lead the Consumer Lending Processing and Underwriting teams to achieve growth and meet established goals by monitoring performance metrics and analyzing daily interactions to meet member financial needs. Support, model & adhere to PFCU's Service Standards as outlined in My MARC.

This position is a hybrid role, requiring employee to come in to the Portland PFCU headquarter branch.

ESSENTIAL FUNCTIONS, DUTIES, & RESPONSIBILITIES

  • Responsible for the daily operations of the department, including scheduling to meet department needs and timeclock approval and monitoring.
  • Maintain atmosphere that encourages cross selling and positive attitude, self-motivated and well trained employees, through coaching, communication and department meetings.
  • Provide leadership oversight for Consumer Loan Processors and Underwriters.
  • Meet with Consumer Loan Processors and Underwriters monthly to provide customized coaching and mentorship in performance. Set goals and assist employees with developing plans for continual growth and success within their position.
  • Monitor employees' performance; conduct performance appraisals in a timely manner; provides encouragement and recognition for outstanding performance.
  • Communicate credit union goals and direction with all employees to ensure clear understanding of rules, regulations, requirements and expectations.
  • Maintain up to date knowledge of consumer loan trends and conditions that may affect the credit union's consumer loan department and provide feedback to the Chief Lending Officer and VP of Lending.
  • Assist employees with members. Ability to perform all duties of a Lending Processor and Underwriter.
  • Accept, approve, deny or counter-offer loan and membership applications as needed.
  • Build a solid profitable loan from a completed loan application prepared by the Lending Originator.
  • Maintain thorough knowledge of CU lending policy and interest rates and be capable of discussing various loan alternatives with Originators and Underwriters. Must support cross sales of Originators by identifying and documenting products and services members qualify for on applications reviewed.
  • Maintain thorough knowledge of all products and services offered by PFCU.
  • Provide service and support to the Originating Team ensuring they understand reasoning for denials and counter- offers and can fully explain the decision to the member.
  • Participate in the development and facilitation of presentations to employees including preparing for and conducting regular daily, weekly and full staff meetings. Discuss My Marc, PFCU's Service expectations, opportunities for improvement, product knowledge, and changes in procedure or policy along with any general information for discussion.
  • Train new employees as the SME (subject matter expert).
  • Review loan processing queues, funding times, indirect loan funding queues, and loan notes.
  • Review loan decisions for soundness and complete a quarterly quality control review, to be provided to the VP of Lending.
  • Observe employees as needed. This observation should include listening to them on the phone and in person with dealers and staff.
  • Resolve dealership and employee complaints involving loan decisions.
  • Manage the processing of loan applications, corrections of errors, and support of the dealer relationship accounting monthly.
  • Maintain cleanliness and security of work area and equipment including protecting the confidentiality of member information.
  • Seek training opportunities to develop or enhance through training, conferences, reading etc. Willingly participate in and attend educational functions and meetings as requested by management.
  • Ensure compliance with all governing regulations including but not limited to the Bank Secrecy Act and UDAAP requirements.
  • All other duties, as assigned.
REGULATORY COMPLIANCE

Follows regulatory and policy compliance requirements which would include those efforts in compliance with Bank Secrecy Act (BSA), Office of Foreign Asset Control (OFAC), Red Flag and Anti-Money Laundering (AML) Regulations, and other compliance related policies.

CONFIDENTIALITY

This position requires maintaining confidentiality with regard to non-public information about our members, employees and the Credit Union. We must protect the confidentiality of member information. Financial transactions are confidential and private. With account access, employees are to handle member information responsibly and confidentially.

SECURITY

To ensure the safety and security of all employees, employees must follow all security policies and procedures at all times. Security is the responsibility of all employees.

QUALIFICATION REQUIREMENTS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education Requirements

A two-year degree in a similar or related field, or achievement of formalized certifications recognized in the industry equivalent to a two year degree. A combination of experience and education will be considered in lieu of a degree.

Work Experience

Five to eight years of similar or related experience, with leadership experience required, and a minimum of three years' experience as an Underwriter.

Language Skills

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, employees, clients, members, and the general public.

Mathematical Skills

Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent.

Reasoning Ability

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Must have the capability to deal with problems involving concrete variables in standardized and non-standardized situations.

Other Skills & Abilities
  • Ability to creatively structure good performing loans within PFCU policies and procedures. Excellent understanding of lending policies and procedures.
  • Able to make decisions and recommendations.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to stand; use hands to finger, handle, and feel objects, tools, or controls; reach with hands and arms; and talk or hear. The employee frequently is required to walk and stand. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in work environment is usually moderate. While performing the duties of this job, the employee occasionally works near moving mechanical parts, and is occasionally exposed to risk of electrical shock.

Mental Demands

The employee is frequently required to use alertness, precision, resourcefulness, problem solving, numeric calculations, persuasiveness, auditory perception, memory, creativity, judgment, writing ability, reading ability, reasoning, imagination, patience, visual perception, comparing, and analyzing.

PFCU is an equal opportunity employer.

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