Consumer Lending Leader: Growth, Strategy and Risk

North Star Community Credit Union; Devils Lake (ND); On-site; USD 90,000 - 130,000; Full time

Job summary

North Star Community Credit Union seeks a Consumer Lending Manager to lead our lending program, guide a high-performing team, and ensure sound credit decisions that support member goals. You will oversee the end-to-end lending process, apply policies, and drive continuous improvement with strategic initiatives across products and rates.

The role emphasizes leadership, portfolio management, risk oversight, and delivering an exceptional member experience while maintaining responsible lending

Qualifications

• 5–8 years of progressive consumer lending or financial services experience.
• Strong experience in consumer loan origination, underwriting, credit analysis, and loan decisioning.
• Experience coaching, mentoring, developing, or leading lending professionals.
• Experience managing or monitoring consumer loan portfolio performance.
• Strong understanding of consumer lending regulations, compliance requirements, and sound lending practices.
• Experience interpreting and applying lending policies and underwriting guidelines.
• Experience with lending technology, loan origination systems, and core banking systems.
• Credit union or community banking experience preferred.

Responsibilities

• Lead, coach, mentor, and develop consumer lending staff.
• Build lending knowledge, confidence, consistency, and sound credit judgment across the team.
• Provide ongoing training on consumer lending policies, procedures, regulations, and best practices.
• Establish clear expectations and promote accountability for lending quality, service, and performance.
• Identify development opportunities and help employees strengthen their lending capabilities.
• Foster a collaborative, member-focused, and high-performing lending culture.
• Provide leadership and oversight for North Star's consumer lending operations.
• Manage and provide guidance on consumer loans from application through underwriting, approval, documentation, and closing.
• Support lending decisions involving both standard and more complex credit requests.
• Monitor lending production, application activity, approval trends, portfolio performance, and other key lending indicators.
• Identify opportunities to strengthen lending performance and improve the member experience.
• Partner with leadership on consumer lending priorities, products, rates, and strategic initiatives.
• Ensure lending practices are consistently applied throughout the organization.
• Evaluate consumer lending processes, policies, products, systems, and workflows for opportunities to improve.
• Lead and support lending process improvements from concept through implementation.
• Identify opportunities to improve efficiency while maintaining appropriate controls and credit quality.
• Partner with operational and core-system teams to strengthen lending workflows and system utilization.
• Stay current on emerging lending technology, industry practices, and changing member expectations.
• Recommend enhancements that improve the lending experience for both employees and members.

Skills

Leadership

Coaching

Mentoring

Credit judgment

Analytical decision-making

Communication

Collaboration

Lending expertise

Portfolio monitoring

Regulatory knowledge

Tools

Lending systems

Job description

North Star Community Credit Union seeks a Consumer Lending Manager to lead our lending program, guide a high-performing team, and ensure sound credit decisions that support member goals. You will oversee the end-to-end lending process, apply policies, and drive continuous improvement with strategic initiatives across products and rates.

The role emphasizes leadership, portfolio management, risk oversight, and delivering an exceptional member experience while maintaining responsible lending