Manager, Consumer Lending at Pacific Service Credit Union

Concord, California, United States -

Full Time

Start Date

Immediate

Expiry Date

28 Jan, 26

Salary

0.0

Posted On

30 Oct, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Consumer Lending, Team Management, Sales Culture, Recruiting, Training, Performance Monitoring, Cross-Selling, Regulatory Compliance, Budgeting, Member Support, Coaching, Mentorship, Problem Solving, Communication, Adaptability, Decision Making

Industry

Banking

Description

Working for Pacific Service Credit Union We put people first. That includes our members, our employees and the communities we serve. We hire energetic and enthusiastic people who want to work as part of our team. What’s in it for you? Health insurance coverage: We provide our employees with 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents. 401k: We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service. All employees are vested at 100% for the employer match beginning the first day of employment. Bonus program: All employees are rewarded for attaining our annual organizational goals. Tuition Reimbursement program for employees eligible after six months of service. Recognition program where employees can be nominated by management, their peers or by members. Employee referral bonus. Student Loan Repayment Assistance: Contributions toward your student loans every month by the credit union after six months of service. Employees are eligible to receive a consumer loan rate discount Vacation and sick time: Full-time employees receive more than two weeks’ vacation per year, 11 paid holidays and 10 days of sick leave. Our Hiring Process We believe it’s important for you to know where you stand in our hiring process. Below is an outline of the steps we take to make the best hires possible. Apply: Submit your resume for one of our job openings. Our Talent Team and our partner – Total Quality Consulting (TQC Team) will review your submitted information and will call or email successful applicants for an interview as soon as possible. In-Person Interview: After a screening call with TQC, we’ll invite a final number of candidates to our office for an in-person interview or set up a live Zoom meeting with the hiring manager(s). If we believe that you have what it takes, we'll make an offer and provide next steps in the hiring process! ABOUT THIS ROLE: At Pacific Service Credit Union, we are committed to strengthening our members’ financial future through trustworthy practices, superior products, and exceptional service. The Manager, Consumer Lending is responsible for assisting the Vice President, Lending Operations in organizing, coordinating, planning, and supervising the day-to-day consumer loan operation. This position is a working manager role while keeping oversight of the department’s assistant managers, loan officers, processors, and funders. This position is responsible for ensuring the processing of credit applications in accordance with credit union guidelines including state and federal regulations. ESSENTIAL JOB FUNCTIONS: * Lead the consumer loan team in attaining or exceeding the established credit union loan production and growth goals by continuously promoting a purposeful and intentional sales culture in the department and keeping staff motivated, engaged, and focused. * Active involvement in recruiting, hiring, and training of staff assigned to the Consumer Lending Department. * Monitors individual performance and effectiveness. Conducts annual performance reviews and monthly 1:1 meetings. Implements corrective actions as needed. * Assumes responsibility for the efficient, effective, and accurate performance of consumer lending operations to achieve and maintain acceptable Service Level Agreements (SLAs). Design metrics reporting and accountability measures. * Champions a cross-sell culture, providing the department with clear instruction and structured call lists. Maintains tracking and refinement of lists to monitor penetration, success and evolution. * Remains knowledgeable of lending operations by staying abreast of current industry trends, regulations, and competition. Provide recommendations, and input and implement changes as needed. * Responsible for internal/external and regulatory audit responses. Responsible for record keeping related to a robust library of current processes, procedures and job aids necessary to carry out the work of the consumer lending department in compliance with internal loan policy as well as federal and state regulations. * Participate in establishing department budgets, income statements, and balance sheet expectations. * Provide complete lending review and support for lending staff on escalated applications with a high degree of expertise and ability to document compensating factors. * Provide assistance with the resolution of member complaints and complex situations involving explanations of loan decisions and disputes. * Work closely with the branch, business development team, and other internal/external partners to ensure efficient and smooth lending delivery. * Major driver and leader in consumer loan department projects along with providing input and feedback on creative solutions (technology or partnership) and process/efficiency improvement. * Provide coaching and mentorship, as well as constructive feedback to direct reports, fostering professional growth and enhancing individual and team performance. * Responsible for record keeping and monthly updates in the credit union's performance management system. * Maintain regular and reliable attendance, including punctuality, are essential to achieving organizational excellence. SUPPORTING FUNCTIONS: * Performs other duties as assigned by the VP Lending Operations or SVP Lending/Chief Lending Officer. * Provides support for credit union mission goals. COMPETENCIES: The following competencies are essential for success in this role: * Builds and supports teams: Shows enthusiasm toward being a member of the group; actively participates in team meetings and activities; meets commitments and deliverables; leverages the skills and interests of coworkers to achieve goals and solve problems; supports team decisions * Coaches talent: Coaches performance effectively; actively works to recruit, hire, and retain high performers; constantly looking for talent to add to the organization; creates a challenging and rewarding work environment; has a reputation as a great person to work with; able to anticipate how different people are likely to act in different situations; has good insight into personalities and work styles; understands people's strengths and talents; knows what sort of tasks people are likely to do well and areas where they may struggle; assists employees in reaching new levels of skills, knowledge and attitudes; identifies and fills potential talent gaps * Drives results: Moves quickly to make decisions and commit to a clear course of action; comfortable making decisions based on partial information; willing to take calculated risks in order to maintain momentum; shows a strong bias toward action; swiftly identifies and removes obstacles * Drives vision & purpose: Aligns day-to-day activities around broader organizational goals and objectives; prioritizes resources based on the strategic objectives of the organization; recognizes and rewards people based on how their actions support the broader needs of the company * Emotional intelligence: Exhibits self-awareness; changes their interpersonal style and approach based on the circumstance; modifies their approach based on cues from others; makes an effort to treat people in a way that makes them feel comfortable and respected; self-regulates emotions; operates with empathy and understanding * Manages ambiguity: Achieves forward progress in the face of poorly defined situations and/or unclear goals; able to work effectively with limited or partial information; adaptable to changing circumstances; maintains a resilient mindset and applies critical thinking methodologies * Prioritizes and organizes work: Allocates time and attention based on the most important to achieve key goals and objectives; approaches work in an organized and systematic manner; effectively manages tasks, information, and requests; anticipates resource needs; adept at juggling multiple priorities under time constraints * Supports change: Enthusiastically participates in new change initiatives and programs; focuses on reasons why changes will work and how they will be beneficial; assists and leads teams through planned and unplanned transitions; embraces change * Delegates: Provides clear objectives and allows employees to take ownership for their goals; provides a mix of tasks and challenges, but does not overwhelm them; acts as a resource people can utilize to help accomplish their goals; empowers employees with the authority and the resources to achieve results In addition to the skills and abilities listed, this role is expected to also demonstrate the Core Competencies. These competencies are essential to upholding our values and delivering exceptional service to our internal and external members. REQUIRED MINIMUM QUALIFICATIONS: Education: * Bachelor’s degree from an accredited university or college in Business Administration or a related field is preferred. Experience: * Minimum five years’ experience in consumer lending or like position with managing a team to motivate, support, train and work side by side with individual staff members. Experience and exposure to new, innovative, and up-and coming consumer loan products are preferred. * Proven success in meeting/exceeding company goals. * Sales experience required. * Must have experience in handling escalated member calls when necessary. * Experience and exposure to new, innovative, and up-and-coming consumer loan products are preferred. PREFERRED QUALIFICATIONS: * Excellent written and oral communications. * Knowledge of credit union loan policies and procedures. * Must be a self-starter who is able to successfully follow projects through to completion with minimal supervision and meet deadlines in a fast-paced environment. * Ability to cross-sell applicable products and services. * Knowledge of Origence and Symitar systems, ability to use keyboard, 10-key calculator, and other video display terminals required. Must be eligible to obtain and maintain valid registration with the National Mortgage Licensing System (NMLS) and Registry in compliance with the requirements of federal law and the SAFE Act. * Proficiency in computer programs (e.g. Microsoft Office Word and Excel). Knowledge of basic mathematic skills is required. * Ability to make consistent credit decisions, based on credit union lending policies. * Ability to work effectively at a fast pace and adapt to change. * The ability to demonstrate loan judgment, answer telephones, and handle difficult member situations is required. * Required to understand and discuss KBB and NADA. PHYSICAL REQUIREMENTS: * Ability to sit or stand at a desk for extended periods of time, with the option to adjust to a sit/stand desk to accommodate comfort. * Hearing Ability: Ability to hear and understand spoken communication, both in person and via phone. * Lifting and Carrying: Occasionally lift and carry materials such as files or office supplies weighing between 0 and 30 lbs. * Manual Dexterity: Proficient use of hands and fingers for typing, using office equipment, and handling documents. * Mobility: Ability to move around the office to attend meetings or assist colleagues as needed. * Verbal Communication Skills: Ability to speak clearly and effectively to communicate with internal and/or external members. Frequent use of telephone headset may be required. * Visual Acuity: Ability to view and read computer screens and related documentation with accuracy. OTHER INFORMATION: Hours Required: A work schedule of Monday through Friday, generally 8 a.m. to 5 p.m. Hours may fluctuate moderately to accommodate business needs. This position is eligible for the credit union's telecommute policy. Travel Requirements: Less than 5% local travel time required.

Responsibilities

The Manager, Consumer Lending is responsible for overseeing the consumer loan operations, ensuring compliance with guidelines and regulations, and leading the team to meet production goals. This role involves recruiting, training, and mentoring staff while maintaining high service standards.