Consumer Direct Lending Ops - Sup - Direct Lending

Golden 1; Sacramento (CA); Ibrido; USD 94.000 - 100.000; Tempo pieno

Descrizione del lavoro

Golden 1 Credit Union is seeking a Supervisor for Direct Lending in hybrid Sacramento. The role leads consumer lending, ensures compliance, analyzes complex loan applications, and develops staff performance while building strong relationships with internal teams and external partners.

You will oversee underwriting procedures, staff payroll, and performance appraisals, driving service excellence and adherence to credit culture across the department.

Competenze

• Bachelor’s degree or equivalent work experience.
• 7+ years in consumer lending in a judgmental lending environment where LOS is used as a guide to make decisions.

Mansioni

• Performs quality control and risk assessments to maintain operational and credit risk controls.
• Administer, process, and maintain staff payroll, scheduling, and performance reports.
• Ensure superior service to staff, external partners, and members by monitoring and improving service.
• Maintain understanding of laws and regulations related to credit union compliance including AML.
• Foster a positive work environment and coach for improvement and growth.
• Collaborate across internal departments and external groups.
• Lead and mentor staff; measure performance against credit culture.
• Develop enhancements to business models to meet strategic goals.
• Review complex loan applications and approve/deny based on underwriting policies.

Conoscenze

Leadership

Risk Management

Lending Expertise

Team Coaching

Formazione

Bachelor’s Degree or equivalent work experience

Descrizione del lavoro

Job Title: Supervisor - Direct Lending
Status: Exempt
Reports to: Manager - Direct Loan Underwriting
Department: Consumer Direct Lending Operations
Job Code: 5019
Pay Range: $93,700.00 - $100,000.00 Annually
Location: Hybrid in Sacramento, CA

WHO WE ARE:

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE:

You are at your best when balancing competing priorities while maintaining high standards. You combine lending expertise, leadership, and risk management skills to strengthen operations, develop talent, and deliver exceptional lending experiences.

WHAT YOU'LL DO:

• Performs quality control and risk assessments as required to maintain operational and credit risk management controls.
• Administer, process, and maintain staff payroll, scheduling, personnel reports and performance appraisals, management analysis and summary reports.
• Ensure superior service to all credit union staff, external business partners, and members of Golden 1 Credit Union by continually reinforcing the importance of exceeding member expectations. Establish processes to effectively monitor the service provided to members and business partners and implement improvements as necessary.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
• Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision, and core values.
• Ensure effective cross collaboration and teamwork with all internal departments and external groups.
• Maintain strong working knowledge of employee roles and responsibilities in order to serve as an effective leader, role model, and coach.
• Proactively develop and nurture business relationships that are mutually beneficial.
• Direct and/or counsel department staff in conjunction with their job duties and knowledge of Credit Union policies and procedures. Measure and assess performance and service, as well as staff performance relative to adherence with the Credit Union’s stated credit culture.
• Recommend and develop enhancements to business models to meet strategic goals.
• Review, analyze, and evaluate complex loan applications based on established credit union policies and apply knowledge of underwriting procedures loan authority to approve counter or deny consumer loan applications by: * Evaluating and ensuring that the transaction is accurate, complete, and compliant. * Reviewing required documentation for accuracy and truthfulness. * Applying fraud detection and prevention techniques. * Performing paystub and tax return analysis to determine ability to repay
• Review credit reports and interpret the data along with the analysis of key lending ratios to determine capacity, credit utilization, and loan to value.
• Responsible for receiving and initiating escalated phone inquiries and must communicate and interact with originator and external business partners to provide information or reasoning regarding loan decisions.
• Effectively address and resolve all complaints or issues raised by members, internal staff, and business partners.
• Gather information, perform analysis, and prepare reports as directed by management.
• Oversee training lending personnel regarding lending policies, process, or procedures, and administering lending promotional campaigns.
• Make recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending.
• Assist in the preparation of training and/or lending presentations.
• Oversee upgrade validations pertaining to lending systems. Understand the use of the automated loan origination system and recommend efficiency improvements.
• Perform other duties as assigned.

QUALIFICATIONS AND PREFERENCES:

• Bachelor’s Degree or equivalent work experience required
• 7+ years in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions required

WHY JOIN US:

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS:

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.