1.      Supervises the Lending Department, sets goals and priorities for department and staff, develops and coaches technical, professional and sales and service skills of staff, takes accountability for process and work flow improvements and has responsibility for achieving department Strategic and Scorecard objectives.

2.      Administers the Home Equity and Consumer loan portfolio on a day-to-day basis and ensures/assigns the processing, disclosure, underwriting, settlement, collateral perfection and quality control of new loans. Monitors the loan queue’s to ensure the member service and turnaround time expectations of our members are met or exceeded. Suggests structure, product or collateral alternatives to facilitate loan approvals for our members. Analyzes complex loan requests as needed. Ensures that loan and supporting documents are forwarded to Optical for future retrieval. Monitors and evaluates approval and disbursement ratios. Ensures compliance with all applicable laws and regulations.

3.      Continuously enhances and streamlines processes and procedures to improve operational efficiencies and member service delivery. Revises as necessary lending policies and procedures. Recommends policy and program changes and once approved, implements them.

4.      Collaborates with other departments within the Credit Union to continuously improve the lending product line to meet member needs. Communicates Lending Department policies and procedures to all concerned staff.

5.      Supervises, directs and controls the activities of the Lending Staff.  Ensures a trained, motivated and professional staff capable of providing efficient and effective customer services to Credit Union members. Interviews, schedules, trains, and assigns work. Establishes performance expectations and monitors results.  Recommends the discipline and/or discharge of subordinates, while maintaining required personnel documentation.  Coaches and counsels staff, as necessary.

6.      Performs all duties of a Lender. Underwrites loan requests and approves loans up to individual lending authority. Advises and explains to members their best option as to loan product, rates, terms and collateral requirements. Explains loan decisions to members. Cross-sells services in a professional manner.

7.      Will work with the Lending Services Manager to learn other segments of lending to include commercial / business lending, participations and the purchase and sales of portfolios.

8.      Under the direction of the Lending Services Manager, will learn, develop and understand portfolio management and underwriting skills commensurate with safe and sound lending practices.

9.      Will learn and develop recovery services techniques and skills to appreciate the impact of lending and portfolio decisions and prepare for advancement within the organization.

10.    With initial and occasional direction from the Lending Services Manager, is able to independently pursue, follow-up and complete assignments and projects that require significant analytical and creative thought.

11.    Keeps informed of market conditions and competitive interest rates to implement/recommend changes.  Maintains current knowledge of products and services and makes recommendations/ implements changes, as approved. Develops new product and service ideas and strategies that will benefit the members and will increase the loan portfolio.

12.    Represents the Credit Union at various Seminars on consumer issues.

13.    Prepares a variety of on-going and special reports on a daily, weekly, monthly and quarterly, etc. basis.  Prepares and monitors department budget.

14.    Manages vendor partners to provide ancillary products and services and monitors their performance. Updates the vendor due diligence information on an annual basis.

15.    Performs other supervisory and/or lending related duties as assigned by Lending Services Manager.

16.    Acts as back-up for the Lending Services Manager when necessary.

 REQUIREMENTS:

BA/BS in Business, Finance or Accounting or equivalent experience preferred.  Demonstrated knowledge of retail lending policies and procedures.  Minimum Five (5) years progressively more responsible Home Equity and Consumer lending experience, including at least three years in a supervisory capacity.  Credit Union experience preferred. Ability to implement new products, services and work flow processes.  Excellent interpersonal, communications, analytical, and problem-solving ability.  Demonstrated knowledge of real estate and consumer lending policies, procedures, regulations, compliance and legislation. Proficient in Word, Excel, Power Point and other PC based programs. Ability to function in a financial institution branch environment and utilize standard office equipment including but not limited to: PC, fax, copier, telephone, etc.   Limited travel may be required.  Ability to lift minimum of 25 lbs.