ESSENTIAL DUTIES AND RESPONSIBILITIES

• Leads all facets of consumer and indirect lending operations, from origination through funding, with a strong focus on volume, quality, spread and profitability.
• Performs supervisory activities including recommendations concerning hiring, performance management, staffing changes, and training to develop and motivate a highly skilled team.
• Serves as a subject matter expert on all loan processes to ensure continuity of effective and efficient operations, regulatory compliance and quality member service.
• Champion the credit union’s culture of compliance and controls, ensuring staff understands and embraces this culture.
• Oversees full loan lifecycle including loan originations, underwriting, decisioning, funding and post-closing quality control.
• Ensures consistent application of credit policies and risk appetite across all consumer and indirect loan products.
• Manages pipeline performance and ensures timely processing aligned with service- level expectations.
• Monitors and drives key lending metrics including look-to-book, approval ratios, turnaround times, yield and portfolio profitability.
• Balance volume growth with credit quality and net interest margin goals.
• Collaborates with the Chief Lending Officer and marketing to develop product promotions and lead-generation strategies.
• Drive continuous improvement and innovation across consumer and indirect product lines to meet evolving member needs.
• Reviews and implements policies and procedures to ensure that all member accounts are properly serviced.
• Identifies and maintains high standards of lending and recovery reporting, record-keeping, collateral management, loan servicing, and complex regulatory compliance.
• Ensure compliance with federal and state regulations including NCUA, CFPB, Fair Lending, ECOA, BSA/AML, and OFAC.
• Coordinate responses to audits and examinations, ensuring thorough documentation and timely follow-up.
• Develop, document, and maintain internal controls, standard operating procedures, and policy updates.
• Stays up to date on regulatory changes affecting the lending program. Suggests changes to the loan policy and procedures based on regulatory changes and changes in current practices.
• Build and maintain strong, high-level relationships with automotive dealers across all levels
• Identify, recruit, and onboard new dealerships to expand the Credit Union’s reach and diversify originations.
• Create and maintain a dealer scorecard to monitor performance, compliance, and profitability.
• Actively promote the Credit Union’s value proposition to dealers, including training, incentives, and responsive service.
• Support initiatives to increase indirect penetration, member conversions, and cross-sell opportunities.
• Assume additional responsibilities as requested by management.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

• Bachelor's degree (B. A.) in finance, or a related field preferred.
• 7-10 years in lending operations within a financial institution environment required.
• Demonstrated leadership in underwriting, operations and business development.
• Extensive experience in lending operations with a proven track record of successful leadership.
• In-depth knowledge of lending regulations, compliance requirements, and risk management principles.
• Strong analytical, strategic thinking, and problem-solving skills.
• Excellent interpersonal and communication skills.
• Ability to inspire and lead a diverse team to achieve common goals.
• Proficiency in using lending software and other relevant technologies.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. 
• Ability to write reports, business correspondence, and procedure manuals.