Consumer Lending Manager

Aloha-Pacific-Federal-Credit-Union; East Honolulu (HI); On-site; USD 76,000 - 114,000; Full time

Job summary

Aloha-Pacific-Federal-Credit-Union in Honolulu, HI seeks an experienced leader to oversee the Consumer Lending and Collections functions, driving loan production, credit administration, portfolio performance, and collections effectiveness. The role partners with branches, Compliance, Finance, Risk, IT, and Operations to support responsible growth and accurate reporting to the Board.

The ideal candidate brings strong credit analysis, risk management, and leadership skills, with deep knowledge of

Qualifications

• Bachelor’s degree in finance, business administration, economics, or an equivalent combination of education and relevant experience.
• Eight (8) years of progressively responsible experience in consumer lending, credit administration, collections, loan review, compliance, or related financial services.
• Five (5) years of management or supervisory experience in a financial institution or comparable regulated environment.
• Strong credit analysis, underwriting, portfolio management, and risk-based decision-making skills.

Responsibilities

• Provides leadership and day-to-day management of the Consumer Lending and Collections functions.
• Accountable for loan production, credit administration, portfolio performance, and collections effectiveness.
• Collaborates with branches, Compliance, Finance, Risk Management, IT, Operations, and other units to support growth and reporting.
• Exercises independent judgment within authority, escalating material risks and implementing corrective actions.

Skills

Credit risk management

Portfolio analysis

Regulatory compliance

Leadership

Stakeholder communication

Education

Bachelor's degree in finance, business administration, economics, or related field

Tools

MS Office

Excel

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full-Time Regular Full-Time Management Kaimuki Plaza, Honolulu, HI, US

9 days ago Requisition ID: 1484

Salary Range: $76,268.68 To $114,403.01 Annually

JOB SUMMARY

Provides leadership and day-to-day management of the Consumer Lending and Collections functions. The position is accountable for consumer loan production, credit administration, portfolio performance, collections effectiveness, quality control, employee development, operational controls, and compliance execution within Board-approved policies, delegated lending authority, and the credit union’s established risk appetite. Exercises independent judgment in managing department operations, approving, or recommending credit decisions within assigned authority, escalating material exceptions and emerging risks, and implementing corrective actions. The position partners with branches, Compliance, Finance, Risk Management, Information Technology, Operations, and other business units to support responsible loan growth, sound credit quality, member service, operational efficiency, and accurate reporting to executive management, management committees, and the Board of Directors.

MINIMUM QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Education

• Bachelor’s degree in finance, business administration, economics, or a related field, or an equivalent combination of education and relevant experience.

Experience/Skills

• Eight (8) years of progressively responsible experience in consumer lending, credit administration, collections, loan review, compliance, or a related financial – service function.
• Five (5) years of management or supervisory experience in a financial institution or comparable regulated environment.
• Demonstrated experience in managing consumer credit risk, portfolio performance, operational controls, regulatory compliance, examinations or audits, and cross-functional initiatives.
• Working knowledge of all laws and regulations applicable to consumer and home equity lending as well as collections
• Strong credit analysis, underwriting, portfolio-management, problem-solving, financial analysis, and risk-based decision-making skills.
• Ability to interpret and apply laws, regulations, policies, procedures, approval authorities, reports, and technical guidance; identify gaps; and implement sustainable corrective action.
• Ability to lead change, manage multiple priorities, meet deadlines, communicate clearly, present to senior leadership and the Board, and work effectively across departments.
• High degree of integrity, discretion, accuracy, organization, and attention to detail.
• Proven ability to analyze market trends, develop effective strategies and make data-driven decisions.
• Managing budgets, forecasting sales and understanding financial reports.
• Ability to make sound judgements under pressure to manage both financial and personnel resources.
• Strong interpersonal skills, motivating and influencing others, building trust and diplomacy.
• Proficient with MS Office products including Word, Excel, Power Point and Outlook.
• Knowledge of project management processes and methodologies along with associated applications to effectively manage projects.
• Experience in identifying, implementing and managing process improvement .

License/Certification

• Valid Driver’s License required and access to a motor vehicle.

Preferred

• An advanced degree and lending, compliance, audit, or risk-management education are preferred.

Credit must be in good standing. Must be bondable pursuant to §713.3(b) of the NCUA’s Rules and Regulations.