Lead Consumer Loan Product Specialist

SECU; United States; Hybrid; USD 110,000 - 160,000; Full time

Job summary

SECU seeks a Lead Consumer Loan Product and Strategy Specialist to oversee the consumer loan portfolio and execute lending strategy. You will partner with the VP, analyze products and performance, and drive technology initiatives.

The role demands seven years in consumer lending, strong problem-solving, and excellent communication. Hybrid environment with on-site trainings and cross-functional collaboration to improve member lending experiences.

Qualifications

• Requires a 4-year degree or equivalent certification.
• Seven years of consumer lending experience.
• Strong integrity and strategic thinking.
• Excellent English communication at all levels.
• Self-motivated with strong organizational skills.
• In-depth knowledge of consumer lending processes and regulations.

Responsibilities

• Lead daily operations of the Consumer Loan Product and Strategy department.
• Analyze and manage consumer lending products and portfolio performance.
• Collaborate with VP to develop and execute strategic initiatives.
• Lead lending technology and system initiatives including testing and optimization.
• Coordinate cross-department collaboration and communicate updates.
• Drive cross-functional projects and process improvements.
• Ensure compliance with regulations and internal policies.

Skills

Consumer lending experience

Problem solving

Communication (verbal & written)

Self-starter / initiative

Leadership / cross-departmental

Regulatory compliance awareness

Ability to lead projects

Education

Bachelor/Associate degree or NC-CTP path

CCUE Certification

Tools

Microsoft Office

Consumer Loan Origination System

Core servicing system

Job description

If you are motivated and believe in the credit union philosophy of “People Helping People,” join our team!

Position Overview:

The Lead Consumer Loan Product and Strategy Specialist serves as the operational leader of the Consumer Loan Product and Strategy department, providing day-to-day oversight of departmental activities while partnering closely with the Vice President of the department to execute the Credit Union’s consumer lending strategy. The position is responsible for analyzing consumer loan products and portfolio performance, identifying opportunities for loan growth, improving lending processes, and supporting strategic initiatives that enhance the member lending experience. The Lead Specialist serves as a subject matter expert for consumer lending products, facilitates collaboration across departments and plays a key role in evaluating and implementing new lending products, services and technologies.

Essential Responsibilities:

• (10%) Lead the daily operations of the Consumer Loan Product and Strategy department.
• (20%) Analyze and manage consumer lending products and portfolio performance.
• (15%) Work with the Vice President of Consumer Loan Product and Strategy to develop and execute strategic initiatives.
• (25%) Lead lending technology and system initiatives, including evaluating current technology, testing new systems and ongoing optimization.
• (10%) Facilitate collaboration with internal departments to ensure alignment and successful execution of lending initiatives, including leading lending forums and communicating product and policy updates.
• (10%) Lead cross-functional projects and process improvements, streamline workflows and increase operational effectiveness.
• (10%) Ensure lending products, processes and initiatives comply with applicable regulations and internal polices while promoting continuous process improvement.

Required Education & Experience (Knowledge, Skills, & Abilities):

• 4-year degree, CCUE Certification, or Associate in Arts degree or Associate in Science degree via the North Carolina College Transfer Program (NC-CTP)
• Seven years of consumer lending experience.
• Highest level of integrity and objectivity.
• Strong problem-solving skills and be able to think critically and strategically.
• Excellent verbal and written communication skills in English , with the ability to clearly and effectively communicate with individuals at all levels of the organization, including branch and operations staff, members, and senior leadership.
• Self-starter with strong organizational skills. Strong initiative to learn new tasks.
• In-depth understanding of consumer and credit card lending, including processes, procedures and tasks.
• Working knowledge of consumer lending regulations (e.g. MLA, TILA, ECOA) and compliance requirements.
• Must be a team player and exemplify a helpful attitude to provide assistance to others as needed.
• High level of technical aptitude. In depth knowledge of the consumer loan origination and servicing systems is required.
• Ability to be a leader with all department procedures and technical expertise.
• Willing to engage in ongoing training and professional development.
• Ability to adhere to the work schedule and attendance policies established by the Credit Union.

Preferred Education & Experience (Knowledge, Skills, & Abilities):

• Knowledge of Microsoft Office, the Consumer Loan Origination System, and core servicing system.
• Minimum of 5-7 years of SECU lending experience.

Job Environment & Physical Requirements:

• Hybrid position with on-site requirements for trainings, meetings and any processing requirements. In-office setting has physical proximity to other employees. Some background noise from other employees, copy machine, and telephone.
• Must be able to comprehend and carry out verbal and written instructions.
• Job requires a substantial amount of sitting.
• Use hands and fingers to press keys on a computer keyboard to enter or retrieve information.
• Use hands and fingers to press telephone keypad and lift telephone receiver.
• Must be able to comprehend phone calls.
• Must be able to lift 5 pounds.

SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.

Disclaimer

State Employees’ Credit Union reserves the right to fill this role at a higher/lower level based on business need.