Lead Consumer Loan Product Specialist

State Employees' Credit Union; Wake Forest, Northern (NC, KY); Hybrid; USD 120,000 - 190,000; Full time

Job summary

State Employees' Credit Union in Wake Forest, NC, seeks a Lead Consumer Loan Product and Strategy Specialist to oversee the Consumer Loan Product and Strategy department, analyze lending products and portfolio performance, and drive growth and process improvements.

You will partner with the Vice President to execute SECU’s consumer lending strategy, lead lending technology initiatives, ensure regulatory compliance, and guide cross-functional collaboration across divisions.

Qualifications

• 4-year degree or associated degree via NC-CTP.
• Seven years of consumer lending experience.
• Knowledge of MLA, TILA and ECOA compliance requirements.
• Strong verbal and written communication in English.
• High level of integrity and objectivity.
• Willingness to engage in ongoing training and development.

Responsibilities

• Lead the daily operations of the Consumer Loan Product and Strategy department.
• Analyze and manage consumer lending products and portfolio performance.
• Collaborate with the VP to develop and execute strategic initiatives.
• Oversee lending technology initiatives, evaluate current systems, and drive optimization.
• Facilitate cross-department collaboration and communicate product updates.
• Lead cross-functional projects and streamline processes for efficiency.
• Ensure compliance with applicable regulations and internal policies.

Skills

Problem solving

Communication skills

Leadership

Organizational skills

Technical aptitude

Training mindset

Education

4-year degree or AA/AS via NC-CTP

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.

Equal Employment Opportunity

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.

State Employees' Credit Union is a not-for-profit, member-owned financial cooperative with a "Do the Right Thing" mission and a goal of helping people in our community.

SECU values the differences in our staff and in our North Carolina communities.

We believe that embracing the uniqueness of individuals makes our cooperative stronger, more innovative and better able to serve SECU members.