Consumer Lending Manager

Employer
Signal Financial Federal Credit Union
Location
Kensington, MD
Posted
May 19, 2017
Closes
May 22, 2017
Function
Management
Hours
Full Time
Consumer Lending Manager Kensington MD The Consumer Lending Manager is responsible for the successful management of all aspects of consumer lending operations from loan set up through funding for all channels including branch online telephone and auto indirect The incumbent provides leadership guidance and support to the team and ensures administrative and operational compliance with regulatory requirements and Signal Financial FCU policies and procedures Position Responsibilities Operations Execution Ensure the thorough and responsible underwriting of all loans in compliance with SFFCU guidelines Design and implement work flow processes and practices from set up through post closing that result in efficient and accurate loan processing and closing and ensures the highest levels of productivity and quality Work with SVP of Consumer Real Estate Lending on product development efforts including creation and maintenance of program guidelines and loan documents as well as systems enhancements to both the LOS and online applications Work with the SVP of Consumer Real Estate Lending develop strategic direction set productivity goals and turn time requirements to ensure collaboration to maximize funding volume while maintaining strict adherence to SFFCU policies and guidelines Provide guidance in resolving complex or challenging loan transactions to yield the best possible outcome while giving staff the opportunity to develop and recommend the solution Manage and forecast staffing needs to support the changing demands of production levels Provide training and guidance to ensure the department is in compliance with all standard operating procedures fair lending practices and federal and state regulations Maintain responsibility for quality assurance review responses Monitor quality assurance and timeliness of workflow by Perform staff audits to determine if inconsistencies exist Analyze and monitor team workflow Implement procedures and guidelines for uniformity and quality standards Ensure adherence to regulatory and compliance requirements Responsible for the administration of all aspects of SFFCUa s loan origination system including but not limited to document creation and maintenance interfaces with third parties data integrity implementation of system and software updates training and workflow design to ensure optimal performance Maintain knowledge of current industry practices and trends identify opportunities for improvements of established practices and customer satisfaction Member Service Provide leadership training and coaching to operations staff to ensure the highest level of member service throughout the process Assist as necessary with the resolution of any customer service issues escalated to management level and exercise professional judgment in further escalating to the SVP of Consumer Real Estate Lending only when necessary Respond to all escalated loan level scenarios promptly and thoroughly and communicate resolved issues to all stakeholders to further improve processes and or avoid similar problems from arising in the future Establish customer service delivery standards and monitor service levels against such standards on a regular basis Staff Development Coaching and Training Recommend staffing levels and personnel actions such as hiring promotions transfers salary actions staff training and separations Accountable for recruiting hiring developing and retaining qualified high performing operations staff Develop staff through a combination of goal setting delegation training coaching and performance management to ensure all employees have the knowledge skills and abilities to meet performance quality and productivity targets Performance management activities include but are not limited to performance reviews performance improvement plans coaching and training scheduling work hours and cross training Manage monitor and provide feedback on the achievement of performance goals productivity efficiency and quality of work product Position Requirements High School Diploma or GED required College degree preferred A minimum of five to ten years of consumer lending operations experience required A minimum of two years of experience in an operations management role required Must demonstrate a thorough knowledge of SFFCU guidelines as well as credit union lending policies procedures and regulations Must possess a thorough understanding of the requirements and features of the consumer loan programs offered by SFFCU Excellent oral and written communication skills required Strong loan math calculation skills including the use of automated spreadsheet development and basic analytics required Solid time management skills and the ability to organize prioritize and perform multiple tasks simultaneously Ability to communicate clearly and effectively both verbally and in writing across a variety of audiences Proficiency with Microsoft office suite including Outlook Word and Excel Ability to learn and work in a fast paced work environment The list of duties and responsibilities is not intended to be all inclusive and may be expanded to include other duties or responsibilities that management may deem as necessary