Consumer Lending Manager

Peninsula Federal Credit Union; Escanaba (MI); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Positive work environment

Training and development opportunities

Competitive compensation and benefits

Meaningful community impact

Job summary

Peninsula Federal Credit Union is seeking a Consumer Loan Manager to direct and coordinate all consumer lending activities within the Credit Union, ensuring compliance with policies. The role collaborates with the Director of Branch Operations and Branch Managers to maintain staff proficiency on lending procedures and policies.

Responsibilities include overseeing underwriting, meeting lending goals, and guiding staff while ensuring compliance with lending regulations and procedures.

Qualifications

• Three to five years of consumer lending experience or related field.
• Interpersonal skills and ability to influence and build relationships.
• Strong verbal and written communication skills.

Responsibilities

• Direct and coordinate all consumer lending activities; ensure compliance with credit union policies.
• Oversee and train underwriting staff; monitor lending procedures and performance.
• Develop annual sales goals for lending programs and coordinate with marketing to achieve them.
• Oversee customer relationship development and ensure regulatory compliance (BSA, AML, OFAC).

Education

Two-year college degree / specialized training

Job description

Are you passionate about providing exceptional member service, instilling member service in others and making a positive impact in your community? At Peninsula Federal Credit Union, we are more than just a financial institution, we are a team dedicated to living our mission: "To be the trusted financial partner within our communities." We invest in our employees through training, empowering them to help members with great products and services every day. If you are looking for a meaningful career where your work truly matters, we would love to meet you!

What We Offer:

• A positive, member-focused work environment
• Training and development opportunities
• Competitive compensation and benefits
• The chance to make a meaningful impact every day

What We Are Looking For:

• Effective communication and interpersonal skills
• A commitment to excellent member service
• A team-oriented mindset
• Previous customer service or financial experience is a plus

Summary

To direct and coordinate all consumer lending activities within the Credit Union, ensuring compliance with Credit Union policies; assist in development of lending policies; manage lending activity to meet Credit Union goals and objectives.

Essential Functions and Responsibilities

The Consumer Loan Manager directs and monitors consumer lending maintenance operations for the entire Credit Union. Works with Director of Branch Operations & Branch Managers to ensure their staff is current on all consumer lending procedures and policies. Manages activities to ensure the Credit Union meets established goals and objectives with respect to lending. Monitors product delivery and quality and takes action to resolve problems. Oversee the consumer loan department functions and supervise department staff. Hires, reviews, schedules, directs, and monitors the work of direct reports, conducts performance reviews, allocates resources to meet operational needs within the department, reviews and approves, denies, or modifies department recommendations for subordinates. Coordinates new hire training with HR/Training Supervisor. In this role you will also oversee and provide recommendations to underwriters, ensure the Credit Union is in compliance with all lending regulations. Develop procedural changes as compliance requires or new programs demand along with establishing annual sales goals (in conjunction with marketing) for lending programs and initiates action to achieve established goals.

Knowledge and Skills

Experience Three years to five years of similar or related experience.

Education (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.

Interpersonal Skills Motivating or influencing others is a material part of the job. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. The role requires a significant level of trust or diplomacy.

Other Skills Extensive knowledge of consumer lending and procedures. Run excel spreadsheet and word processing software. Strong leadership, coaching, and employee development skills. Proven ability to achieve sales, lending, and growth objectives. Thorough knowledge of consumer lending practices and member relationship development. Understanding of mortgage referral processes and closing coordination. Strong analytical and problem-solving abilities. Ability to interpret financial and operational performance reports. Excellent verbal, written, and interpersonal communication skills. Strong organizational and time management skills. Proficiency with core processing systems, Microsoft Office applications, and branch technology platforms. Knowledge of applicable banking and credit union regulations, including BSA, AML, OFAC, and consumer compliance requirements.

Physical Requirements Must be able to sit/stand for long periods of time in a day, possess hand, wrist, and finger dexterity to use keyboard, phone, and calculator in a repetitive manner throughout your scheduled time, and the ability to view a computer monitor throughout your scheduled time

Work environment Must be available to work from 7:30 a.m. to 7:30 p.m. Monday – Friday and Saturday. May be required to work at other branches and have the ability to travel to and from those branches.

This description is not a complete statement of all duties and responsibilities comprising the position.

**Peninsula Federal Credit Union is an Equal Opportunity Employer**