Director of Consumer Lending

1 week ago


Tampa, United States Usf Fed Cred Union Full time
Job DescriptionJob Description

When joining USF Federal Credit Union, you can expect to work for a company that:

  • Strives to be the most influential partner in our Members’ financial journey.
  • Has been recognized with awards such as the Sterling Governor’s Award for Excellence and League of Southern Credit Unions & Affiliates Credit Union of the Year.
  • Has a culture of engagement, growth, process improvement and community volunteerism.
  • Received the Top Places to Work award for 2024.

What’s in it for you:

  • Competitive pay, robust incentive programs, 401k matching, Mortgage and Auto Loan discounts
  • 4 weeks minimum paid time off work, work anniversary paid time off, 11 paid holidays and 8 hours paid volunteer time off.
  • Medical, Dental and vision plans with FSA option. (Employee Only Premiums for Dental and Vision are 100% Credit Union covered).
  • 100% Credit Union Paid Short-Term and Long-Term Disability and Life Insurance
  • Employee Assistance Program
  • Undergraduate and Graduate Tuition Reimbursement
  • In-depth New Employee Orientation showcasing Credit Union Values and Vision
  • A Think Big culture dedicated to performance excellence and continual growth


Position Summary:

Under the general direction and supervision of the Sr Director of Consumer and Commercial Services, the Director of Consumer Lending will provide leadership and direction for indirect lending, consumer underwriting, loan servicing activities, lending system administration, and consumer lending regulatory compliance. This position is responsible for maximizing indirect lending production, managing underwriting risk for direct and indirect consumer loans, loan portfolio growth, loan yield, loan loss management, and ensuring our consumer lending activities are compliant. In coordination with the Sr Director of Consumer and Commercial Services, develop short and long-term strategic vision for the consumer lending department as well as action plans to achieve this vision. Manage loan origination systems design, third party vendor relationship management, consumer lending policies and procedures. Ensures operational efficiencies are obtained through execution of process-based management techniques and process improvement initiatives. Guided by the strategic plan and in collaboration with the Sr Director of Consumer and Commercial Services and direct reports, this key leader will architect the consumer lending strategy of the organization.


Essential Functions Include:

Consumer Lending Strategy Development and Implementation

  • Lead the development and execution of short and long-term departmental objectives that align with the credit union’s strategic objectives to drive loan growth.
  • Build and lead cross-functional teams to drive delivery of departmental objectives to achieve organizational goals.
  • Develop and maintain influential collaborative relationships across the organization to drive loan growth.
  • Collaborate with Marketing to develop and execute strategies to increase application volume.
  • Research and analyze competitor’s loan programs and pricing to ensure we are competitive in the marketplace.
  • Manage rates in partnership with Finance to maintain target WAR.
  • Identify trends and emerging technologies to drive efficiency, production, and new areas of lending.

Execution

  • Direct day to day lending operations activities to ensure timely execution of strategies in direct lending, indirect lending, underwriting, student lending, and loan servicing.
  • Develop, propose, and gain acceptance for and implement consumer loan program strategy and policy in partnership with the Senior Director of Consumer and Commercial Lending; lead activity related to new product development.
  • Ensure leader accountability for results and celebrate successes.
  • Collaborate with retail leadership, visit retail locations, and be present on a regular cadence on site with staff to foster trust and teamwork.
  • Prioritize the needs and experience of our members and team members above all else.
  • Manage and report department income and expenses to maintain budget. Maximize earnings and profitability within the consumer lending portfolio.
  • Complete quarterly call report for consumer lending.
  • Perform other duties as assigned.

Team Leadership and Development

  • Attract and retain top quality talent.
  • Lead, mentor, and develop a team of lending professionals, fostering a collaborative and high-performing environment.
  • Lead weekly check-ins, monthly leadership meetings, and complete annual performance reviews.

Compliance and Risk

  • Ensure compliance with all lending laws and regulations.
  • Adhere and follow credit union lending policies.
  • Achieve loan quality objectives to ensure a strong portfolio.


Reports to:

Senior Director of Consumer Lending and Commercial Services


Manages:

Consumer Lending Department


Required Education and Experience:

  • Bachelor’s degree obtained through a formal 4-year program at an accredited educational facility preferred or equivalent experience.
  • 5-8 years of Consumer Lending Management or related experience.
  • 10+ years of credit union, banking, or related experience
  • Working knowledge of Home Equity Lines of Credit.
  • Must have proven track record of originating and servicing consumer loans.
  • Must have working knowledge of NCUA regulations affecting consumer lending.
  • Must have good communication and leadership skills.


Additional Skills:

  • Strong mentoring and coaching experience to a team with diverse levels of expertise.
  • Strong time management and organizational skills. Ability to multi-task under pressure.
  • Exceptional leadership skills: ability to motivate, influence, and engage direct and indirect reports and peers with a significant level of diplomacy and trust.
  • Self-reliant, critical thinker, problem solver, results oriented.
  • Excellent judgment and creative problem-solving skills including negotiation and conflict resolution skills.
  • Excellent presentation skills, confident in all settings with individuals at all levels of the organization both internal and external.
  • Energetic, forward-thinking, and creative in business solutions with high ethical standards and trustworthiness.
  • Act as a change agent, who can collaborate with diverse interests and adapt to changes within working responsibilities.
  • Excellent verbal and written communication skills. Able to communicate effectively and tactfully with employees and members both orally and in writing.
  • Proficient in Microsoft Word, Power Point, Excel and Outlook. Excellent technical aptitude.
  • A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a personal or sensitive nature. Work may involve motivating, influencing, or training others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
  • Must demonstrate a functional knowledge of the Bank Secrecy Act in addition to other Federal laws, including but not limited to: U.S. Patriot Act, Office of Foreign Assets & Control, Anti-Money Laundering, Right to Financial Privacy Act, and the Bank Bribery Act.


Work Environment:

Hybrid Work Arrangement – Two days in office per week


Physical Requirements:

Sitting frequently, walking occasionally, use of hands frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10lbs of force occasionally to life, carry, push, pull, or move objects.


Position Type/Expected Hours of Work:

Full-Time/40 hours per week


Classification:

Exempt


Other Duties:

Please note this job description is not a comprehensive list of activities, duties or responsibilities that are required in this position. Duties, responsibilities and activities may change at any time with or without notice.


About Us:

For 65 years, USF FCU has experienced rapid growth and is dedicated to delivering financial solutions to improve our members’ lives. Our success is thrilling, but our core values of excellence, passion, innovation, community, and collaboration mean our relationships with our members and our employees will always be our top priority We have grown to over 73,000 members and $1.1 billion in assets, robust online and mobile banking, 9 branch locations and thousands of shared branches and fee-free ATMs nationwide.

Our vision is to be the most influential partner in each member’s financial journey.

Our mission is to deliver financial solutions to improve members’ lives.



  • Tampa, Florida, United States Usf Fed Cred Union Full time

    Job SummaryWe are seeking a highly skilled Consumer Lending Strategist to join our team at Usf Fed Cred Union. This is a full-time, exempt position that offers a competitive salary range of $120,000 - $160,000 per year, depending on experience.In this role, you will be responsible for developing and implementing strategic plans to drive consumer lending...


  • Tampa, Florida, United States Usf Fed Cred Union Full time

    About the RoleWe are seeking an experienced leader to join our team as Director of Consumer Finance. The successful candidate will have a proven track record in consumer lending, with expertise in loan origination, underwriting, and servicing.As Director of Consumer Finance, you will be responsible for leading day-to-day lending operations activities,...


  • Tampa, Florida, United States Usf Fed Cred Union Full time

    About the RoleWe are seeking a highly experienced Director of Indirect Lending Operations to lead our consumer lending team at Usf Fed Cred Union. This is a full-time, exempt position that offers a competitive salary range of $130,000 - $170,000 per year, depending on experience.In this role, you will be responsible for developing and implementing...


  • Tampa, Florida, United States Usf Fed Cred Union Full time

    About the RoleWe are seeking a results-driven leader to join our team as Head of Consumer Lending Department. The successful candidate will have a strong background in consumer lending, with experience in leadership, mentoring, and coaching.As Head of Consumer Lending Department, you will be responsible for attracting and retaining top quality talent,...


  • Tampa, Florida, United States Usf Fed Cred Union Full time

    About the JobWe are seeking a seasoned professional to fill the role of Director of Consumer Financial Services. As a key member of our leadership team, you will be responsible for providing leadership and direction for indirect lending, consumer underwriting, loan servicing activities, lending system administration, and consumer lending regulatory...


  • Tampa, Florida, United States Usf Fed Cred Union Full time

    About the RoleWe are seeking a seasoned professional to lead our consumer lending department. As Chief Consumer Lending Officer, you will be responsible for developing and executing strategic plans to drive loan growth, while ensuring operational efficiencies and compliance with regulatory requirements.The ideal candidate will have a strong background in...


  • Tampa, Florida, United States Seacoast Bank Full time

    Job DescriptionThe Assistant Banking Center Manager plays a critical role in driving business results and fostering a high-performing team culture at Seacoast Bank. This position requires a seasoned banking professional with expertise in leadership, performance management, and operations.Key responsibilities include:Leadership DevelopmentCoach and mentor...


  • Tampa, United States Social Capital Resources Full time

    Top-Tier Financial Services Firm in Tampa, Florida is seeking a Director of Stock Loan!!Responsibilities:Supports the Stock Loan trading desk by processing all aspects of Operations and trade support.Balances all positions and cash daily and research and reconcile any breaks or discrepancies in a timely manner.Reconcile and settle all monthly rebates and...


  • Tampa, United States Social Capital Resources Full time

    Top-Tier Financial Services Firm in Tampa, Florida is seeking a Director of Stock Loan!!Responsibilities:Supports the Stock Loan trading desk by processing all aspects of Operations and trade support.Balances all positions and cash daily and research and reconcile any breaks or discrepancies in a timely manner.Reconcile and settle all monthly rebates and...


  • Tampa, United States Bank of Tampa Full time

    Job DescriptionJob DescriptionPosition OverviewThe goal of the Business Solutions Analyst-Lending Systems is to be responsible for the configuration, technical support, and maintenance of applications and systems used for lending, credit analysis, and credit risk management functions throughout the Bank. Other banking applications may be assigned by the Bank...


  • Tampa, Florida, United States Fifth Third Bank Full time

    About the RoleWe are seeking a detail-oriented and customer-focused individual to join our team as a Personal Banker Associate I. In this role, you will have the opportunity to develop your skills in sales, customer service, and financial analysis while working in a dynamic and supportive environment.As a Personal Banker Associate I, you will be responsible...


  • Tampa, United States First Florida Credit Union Full time

    Member Service Officer (Lending)- CR210 Branch, St Johns, FL Do you want to be part of a dynamic institution that is one of the fastest growing credit unions in the country? Become a part of the First Florida Credit Union team where our employees create a culture that enables our organization to be among one of the 100 Best Companies to Work For in Florida...

  • Business Analyst

    5 days ago


    Tampa, United States Syntricate Technologies Full time

    Business Analyst - Lending Transformation Tampa, FL (3 days onsite - Hybrid) 12 months Web Cam Interview $70/Hr on W2 Business Analyst - Lending Transformation The Institutional Credit Management (ICM) team is a critical component of First Line of Defense for wholesale lending and counterparty credit risk. ICM partners with businesses to ensure we...


  • Tampa, United States BritePros Medical Staffing Full time $190,000

    Managing Director - Credit Risk Review – To $190K – Tampa, FL – Job # 3353bWho We AreThe Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers...


  • Tampa, Florida, United States Search Connections Full time

    Financial Management RoleWe are seeking a highly skilled Director of Financial Management to join our team at Search Connections. In this role, you will be responsible for the effective management and profitable operation of your assigned branch office.The ideal candidate will have previous experience in financial branch management, financial services, or...


  • Tampa, Florida, United States Seacoast Bank Full time

    About the RoleThe Banking Center Manager is a key leadership position at Seacoast Bank, responsible for driving branch profitability and performance. This role requires strong leadership skills, excellent communication abilities, and a customer-focused mindset.Key Responsibilities:Business Development/Credit Acumen:Ability to source Treasury Management...

  • Director of Finance

    5 days ago


    Tampa, United States ByzFunder Full time

    Position SummaryWe seek a Director of Finance to lead and oversee critical financial functions, including financial planning and analysis (FP&A), loan portfolio monitoring, cash flow management, financial reporting, and audit support. This role presents an exciting opportunity for a seasoned finance or accounting professional who thrives in a fast-paced,...

  • Director of Finance

    4 days ago


    Tampa, United States ByzFunder Full time

    Position SummaryWe seek a Director of Finance to lead and oversee critical financial functions, including financial planning and analysis (FP&A), loan portfolio monitoring, cash flow management, financial reporting, and audit support. This role presents an exciting opportunity for a seasoned finance or accounting professional who thrives in a fast-paced,...


  • Tampa, Florida, United States Highland Direct Full time

    Job Title: Business Customer Service RepresentativeJob Summary: We are seeking a highly motivated and experienced Business Customer Service Representative to join our team at Highland Direct. The ideal candidate will have excellent communication skills and be able to work effectively with cross-functional teams to drive targeted revenue.Responsibilities:•...


  • Tampa, Florida, United States AEG Full time

    AEG is an award-winning agency that bridges the gap between marketing campaigns and consumers.We are a leader in the sports and entertainment industry, with a portfolio of owned-and-operated live sports properties.The Senior Director, Strategic Partnerships will be responsible for selling sponsorships across our portfolio of properties.This role requires a...