Assistant Manager of Consumer Lending

Zealcu; Livonia (MI); On-site; USD 65,000 - 90,000; Full time

Job summary

Zeal Credit Union in Livonia, MI seeks an Assistant Manager of Consumer Lending to lead, mentor, and grow the lending team onsite. You will partner with the VP of Lending to optimize underwriting, pricing, and service quality while ensuring regulatory compliance and risk management.

This role emphasizes data-driven decisions, cross‑functional collaboration with auto dealerships and vendors, and ongoing process improvements to deliver responsible growth and superior member service.

Qualifications

• 5+ years in consumer lending, underwriting, or loan operations, including credit decisioning.
• 3+ years supervising teams with a proven track record of developing employee performance.
• High school diploma or GED required; degree in business, finance, accounting, or management preferred.

Responsibilities

• Lead and mentor the lending team to drive growth, efficiency, and compliance.
• Enforce underwriting guidelines and support risk management strategies.
• Provide strategic recommendations on products, budgeting, and competitive positioning to the VP of Lending.
• Manage relationships with auto dealerships, vendors, and cross‑functional departments.
• Oversee quality control and audit readiness, plus drive continuous improvement initiatives.

Skills

Lending experience

Leadership

Data analysis

Education

High school diploma or GED

Tools

LOS

Microsoft Office

Reporting software

Job description

Assistant Manager of Consumer Lending

Zeal Credit Union is looking for an inspiring, growth-oriented leader to join our team! In this onsite role, you will serve as a key operational leader and mentor. If you are passionate about lending optimization, helping members reach their financial goals, developing a team, and making a positive impact on our community, we want to hear from you.

Why You'll Love This Role

At Zeal Credit Union, we believe in empowering our team members and fostering a culture of positivity and continuous improvement. As the Assistant Manager of Consumer Lending, you will have a direct hand in shaping the future of our department. You will serve as a trusted partner to the VP of Lending, lead a dedicated team, and find innovative ways to drive responsible growth and service excellence.

Essential Functions

The Assistant Manager of Consumer Lending serves as a vital operational and strategic leader responsible for driving the growth, efficiency, and regulatory compliance of the department. This role blends people leadership with operational oversight by coaching and developing the lending team, streamlining workflows, and maintaining strong relationships with cross‑functional departments, auto dealerships, and third‑party vendors. Driven by data and market trends, the Assistant Manager analyzes performance metrics to provide strategic recommendations on products, budgeting, and competitive positioning directly to the VP of Lending. Additionally, the position protects the institution’s assets by enforcing strict underwriting guidelines, spearheading continuous improvement initiatives, and managing quality control and audit readiness.

Qualifications

Experience & Education

• Lending Experience: 5+ years in consumer lending, underwriting, or loan operations, including credit decisioning.
• Leadership Experience: 3+ years supervising teams with a proven track record of developing employee performance.
• Education: High school diploma or GED required; degree in business, finance, accounting, or management preferred.

Technical Knowledge

• Regulations & Compliance: Strong knowledge of federal/state laws, underwriting principles, and operational controls.
• Lending Lifecycle: Deep understanding of loan origination, pricing, processing, funding, and indirect lending.
• Systems & Software: Advanced proficiency in Microsoft Office and lending‑related software (LOS, reporting, data‑processing).

Core Skills & Abilities

• Data Analysis: Ability to interpret lending reports, identify trend root causes, and provide business recommendations.
• Process Improvement: Skilled at evaluating workflows, implementing operational changes, and measuring outcomes.
• Audit & Risk Management: Experience supporting internal/external audits, regulatory exams, and corrective actions.
• Relationship Management: Ability to build partnerships with auto dealerships, vendors, and internal stakeholders.
• Project Management: Skilled at managing multiple priorities, tight deadlines, and business relationships simultaneously.

Professional Attributes

• Business Judgment: Strong problem‑solving skills to balance growth, risk, compliance, and member experience.
• Communication: Excellent interpersonal, written, and verbal communication skills for presenting complex data clearly.
• Ownership: Ability to work independently, take accountability for outcomes, and recommend proactive solutions.
• Continuous Learning: Commitment to staying updated on industry trends, emerging technologies, and best practices.

Schedule (subject to change)

Monday-Friday 9:00am-5:00pm (Flexible based on business needs)

Zeal Credit Union is committed to a policy of equal treatment and opportunity in every aspect of its relations with employees, without regard to race, sex, color, religion, gender identity, sexual orientation, height, weight, national origin, citizenship status, age, military or veteran status, or disability, or any other classification protected by applicable federal, state or municipal law. Applicants may request accommodation during the application process by contacting 800-321-8570 OR [e-mail].