Associate Consumer Lending Manager

Reporting to the Consumer Lending Sales Manager, the Associate Consumer Lending Manager will be responsible for managing and supporting the Consumer Lending team while guiding the team towards optimal performance, quality, consistency, and efficiency. The Associate Consumer Loan Manager will ensure that we are following internal process
and policy, meeting underwriting guidelines, following lending authority levels, and remaining compliant with relevant state and federal regulations.

Major Duties and Responsibilities

Weight

Description

30%

Oversee the centralized consumer underwriting process which includes supervising the consumer lending team to maximize productivity, efficiency, including hiring, training, directing job assignments, monitoring, and documenting staff performance, as needed and at least annually through the performance review process, providing coaching and ongoing feedback.

20%

Assist in management of indirect lending program which may include vender due diligence, vendor management of ancillary lending products (GAP, Debt Protection, and others.) Stay abreast of competitors' rates, terms and other trends relating to consumer lending; provide input for lending interest rates and update rate sheets and disclosures as needed.

20%

Identify areas of improvement to create more efficient processes; incorporate improvement measures. Address quality and accuracy issues and provide necessary training. Ensure that underwriting standards are met, applications requests are handled appropriately, and loans are processed, closed, and funded accordingly. Make necessary recommendations to policies and procedures to ensure compliance with federal and state regulations. Assist staff with procedural, regulatory, and practical info related to Consumer Lending functions. Act as technical liaison between users, vendors and Business Solutions, update documents and disclosures, perform testing and training.

10%

Perform underwriting when needed to approve or deny consumer loan applications. Field escalated calls and help to resolve difficult and complex issues and requests. Communicate with and support members, vendors, staff, and other departments on their needs. Maintain strict confidentiality practices for the protection and care of members.

10%

Assist with the loan reporting responsibilities up to and including board level reporting. Assist with requests for internal and external auditors and examinations as well as department budgets. Assist with research, consumer loan product recommendations and implementation.

10%

Participate in and/or act as a technical lead and or project manager on departmental or organization wide projects. Contributes expertise in their assigned area and executes certain deliverables on the project.

Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the