Director of Lending

Total Community Credit Union; Taylor (MI); On-site; USD 110,000 - 180,000; Full time

Job summary

Total Community Credit Union in Michigan seeks a Director of Lending to lead the lending operations across consumer, mortgage, and HELOC lending. You will oversee underwriting, processing, approvals, funding, servicing, and collections while driving portfolio performance and regulatory compliance.

The role focuses on developing the lending team, achieving growth goals, and delivering exceptional member experiences.

Qualifications

• Minimum 5 years of consumer and mortgage lending experience in a financial institution.
• Minimum 3 years in leadership or supervisory roles.
• Strong knowledge of underwriting, processing, funding, servicing, and portfolio management.
• Experience with regulatory compliance and risk management.

Responsibilities

• Lead lending team to achieve performance, service, and growth goals.
• Oversee consumer, mortgage, and HELOC lending operations, including underwriting and funding.
• Establish and monitor department KPIs and performance standards.
• Drive loan growth while ensuring timely decisions and member service.
• Monitor portfolio performance, delinquencies, and risk; implement improvements.

Skills

Consumer lending

Mortgage lending

HELOCs

Underwriting

Portfolio management

Regulatory compliance

Leadership

Analytics

Education

Bachelor's degree in Business, Finance, Accounting, Economics

Certifications in lending (preferred)

Job description

Description

About Total Community Credit Union

For more than 60 years, Total Community Credit Union has helped individuals and families throughout Michigan achieve their financial goals through personalized service, competitive lending solutions, and a member-first approach. We are committed to creating a supportive workplace where employees are valued, empowered, and given opportunities to grow their careers.

Position Summary

The Director of Lending is responsible for leading the credit union's lending operations and strategy, including consumer, mortgage, and HELOC lending. This role oversees loan production, underwriting, portfolio performance, regulatory compliance, and team development while ensuring an exceptional member experience and supporting organizational growth.

Key Responsibilities

• Lead and develop the lending team to achieve performance, service, and growth goals.
• Oversee consumer, mortgage, and HELOC lending operations, including underwriting, processing, approvals, funding, servicing, and collections.
• Establish and monitor departmental goals, KPIs, and performance standards.
• Drive loan growth while ensuring timely decisions and excellent member service.
• Monitor portfolio performance, delinquency trends, and risk; implement strategies to improve results.
• Maintain lending policies, procedures, and controls to ensure compliance with NCUA and applicable federal and state regulations.
• Serve as the primary resource for complex loan requests, policy exceptions, and member concerns.
• Partner with internal teams and third-party vendors to enhance lending products, systems, and operations.
• Prepare and present lending and portfolio reports to executive leadership and the Board of Directors.
• Participate in strategic planning and support community and business development initiatives.

Requirements

• Minimum 5 years of consumer and mortgage lending experience in a credit union, bank, or financial institution.
• Minimum 3 years of leadership or supervisory experience.
• Strong knowledge of consumer lending, mortgage lending, HELOCs, underwriting, collections, loan servicing, portfolio management, and regulatory compliance.
• Experience leading teams, developing procedures, monitoring performance metrics, and achieving operational goals.
• Strong analytical, communication, leadership, and problem-solving skills.
• Ability to interpret financial and operational data and make sound business recommendations.

Education

• Bachelor's degree in Business, Finance, Accounting, Economics, or a related field required.
• Relevant lending, leadership, or financial services certifications preferred.

Licenses & Certifications

• NMLS registration or ability to obtain within 90 days of hire.
• Certified Financial Counselor designation or ability to obtain within 180 days of hire.

Schedule & Classification

Full-Time | Exempt

Reports directly to the President/CEO and works closely with lending, collections, member service, and branch leadership teams.