Director of Consumer Lending (On-Site)

Educational Federal Credit Union; Miami (FL); Vor Ort; USD 150.000 - 230.000; Vollzeit

Zusammenfassung

Educational Federal Credit Union is seeking a Director of Consumer Lending to lead our consumer lending operations across auto, personal loans, and credit cards with a focus on efficiency, risk management, and member experience. You will oversee direct and fintech channels, champion process improvements, and ensure compliant lending practices.

The role requires strategic leadership, strong collaboration with Compliance and Risk, and a track record of growing loan production while maintaining

Qualifikationen

• Bachelor's degree or equivalent combination required.
• 7+ years in consumer lending operations, with auto, personal loans or credit cards.
• 3+ years in management or senior leadership in a financial institution.
• Experience with fintech lending platforms or third-party vendors.
• Credit union experience preferred.
• Experience with digital lending platforms and automated decisioning preferred.
• Strong knowledge of consumer lending regulations and risk management.

Aufgaben

• Direct and monitor all facets of consumer lending operations.
• Oversee day-to-day operations of direct and fintech lending teams.
• Set goals, monitor KPIs, and report performance.
• Ensure compliance with lending regulations and risk controls.
• Lead fintech partnerships and platform integrations.
• Drive process improvements to increase efficiency and scale.
• Develop and lead lending staff through coaching and evaluations.

Kenntnisse

Organizational skills

Verbal communication

Written communication

Operational analytics

Relationship management

Leadership

Regulatory compliance

Multi-tasking

Ausbildung

Bachelor's degree

Tools

Fintech platforms

Digital lending platforms

Jobbeschreibung

The Director of Consumer Lending is responsible for the day-to-day leadership, performance, and oversight of the credit union’s consumer lending operations, including auto loans, personal loans, and credit cards, delivered through direct and fintech-enabled channels. This role manages departmental operations to ensure lending goals are achieved while maintaining strong credit quality, regulatory compliance, and operational efficiency. This role provides strategic and operational leadership to ensure lending products, processes, and partnerships support sustainable growth, strong portfolio performance, and an exceptional member experience.

The director manages day-to-day operations of the department, sets and monitors performance goals, and ensures objectives related to loan production, credit quality, efficiency, and member satisfaction are consistently met. This position serves as the primary relationship manager for fintech partners, overseeing performance, integration, and ongoing optimization of digital lending platforms. The role is also responsible for ensuring lending processes remain efficient, effective, compliant, and aligned with the credit union’s risk appetite, while continuously identifying opportunities to enhance automation, scalability, and innovation. Through strong leadership and cross-functional collaboration, the Senior Manager supports the credit union’s consumer lending strategy and digital growth initiatives.

Duties & Responsibilities

Operational Leadership

• Directs and monitors all facets of lending operations and monitors progress on a regular basis that is consistent with the Credit Union’s strategic plan. This includes oversight of consumer portfolios, underwriting, lending compliance, quality assurance, and collateral tracking.
• Oversee daily operations of the direct and fintech consumer lending department, ensuring consistent execution of lending policies, procedures, and service standards.
• Manage staffing, workflows, and resource allocation to support loan volume, service levels, and turnaround time goals.
• Establish, monitor, and report on key performance indicators (KPIs) related to production, efficiency, credit quality, and member experience.
• Ensure department goals and objectives align with the credit union’s strategic plan and consumer lending strategy.
• Supports business and marketing initiatives to enhance loan production.
• Maintains lending vendors in accordance with timing and business needs. Recommends retention or any changes needed.
• Provide oversight of underwriting practices for auto loans, personal loans, and credit cards to ensure consistency, accuracy, and adherence to approved credit policies.
• Monitor loan decisioning, exceptions, and overrides to ensure appropriate risk controls are maintained.
• Partner with risk management and lending leadership to recommend updates to credit policy, pricing, and underwriting criteria based on portfolio performance and market conditions.
• Ensure underwriting and lending processes balance growth, risk, and member value.
• Approves / denies loan application requests including those for Credit Union employees.
• Serve as lending compliance subject matter expert with an emphasis on fair lending compliance, provide related guidance to management and assist with the ongoing development of compliance training to ensure the credit union is in full compliance with all lending laws and regulations.
• Ensure consumer lending operations comply with all applicable federal and state regulations, including but not limited to Fair Lending, UDAAP, ECOA, FCRA, TILA, and credit card–related regulatory requirements.
• Partner with Compliance, Risk, and Internal Audit teams to support examinations, audits, reviews, and issue remediation.
• Monitor portfolio trends, delinquency, losses, and exception reporting to identify and mitigate emerging risks.
• Ensure controls, documentation, and processes are maintained to support safe and sound lending practices.
• Serve as the primary relationship manager for fintech lending partners supporting consumer loan originations and servicing.
• Monitor partner performance against service-level agreements (SLAs), production goals, credit quality, and compliance expectations.
• Coordinate with internal teams to ensure fintech integrations, processes, and reporting meet operational and risk standards.
• Identify opportunities to optimize fintech partnerships to improve efficiency, scalability, and member experience.

Process Improvement & Efficiency

• Responsible for hiring lending staff to include completing performance evaluations and development plans as necessary.
• Continuously evaluate lending workflows and systems to identify opportunities for automation, standardization, and process improvement.
• Lead or support initiatives to enhance operational efficiency, reduce cycle times, and improve data quality and reporting.
• Ensure procedures and documentation are current, accurate, and consistently followed across all lending channels.
• Lead, coach, and develop lending staff, fostering accountability, engagement, and continuous improvement.
• Collaborate with cross-functional teams including IT, Marketing, Finance & Accounting, Risk & Compliance, Digital Services, and Member Services to support lending initiatives.
• Provide regular reporting and updates to senior leadership on operational performance, risks, and improvement initiatives.
• Compile and analyze data to evaluate the current and future status of loan production, portfolio and performance.
• Performs other duties as assigned by management.

Requirements

• Bachelor's degree or equivalent combination
• 7+ year of Consumer lending operations, with a focus on auto loans, personal loans, and/or credit cards
• 3+ years of Management or senior leadership experience in a financial institution or credit union environment and strong working knowledge of consumer lending regulations, underwriting practices, and risk management principles.
• Experience managing or working with fintech lending platforms or third-party vendors.
• Credit union experience strongly preferred.
• Experience with digital lending platforms, automated decisioning, or alternative data underwriting preferred.
• Demonstrated experience improving operational efficiency and managing change in a lending environment preferred

Skills

• Exceptional organizational skills.
• Excellent verbal and writing skills.
• Strong operational and analytical skills with the ability to interpret performance and risk data
• Strong relationship management and communication skills
• Strong business management skills.
• Proven leadership and team development capabilities
• Thorough understanding of consumer credit risk and regulatory compliance
• Ability to manage multiple priorities in a fast-paced lending environment

BSA Statement

Management duties: Managers are expected to create a culture of compliance with all Bank Secrecy Act (BSA) and Anti-Money Laundering policies and procedures, and are required to attend BSA-related training as assigned.

The following are some benefits offered to employees

• Paid Holiday
• Paid Birthday
• Paid Sick and Personal Days
• Paid Vacation
• Retirement/401K with matching contributions
• Medical, Dental and Vision Insurance
• Life Insurance and Long Term Disability
• Tuition reimbursement for Undergraduate and Graduate courses
• Career opportunities

About Us

As a financial institution, EdFed has been dedicated to providing our members, the South Florida educational community, with quality financial services since 1935. As an employer, we strive to provide staff with challenging career opportunities, great benefits, and a friendly work environment. Confidentiality is of the utmost importance in this position.