Consumer Lending Manager

About the role

The Consumer Lending Manager is responsible for leading the credit union's consumer lending operations, including production, underwriting, loan processing, funding, portfolio quality, and member experience. This role oversees day-to-day lending activities, ensures compliance with regulatory requirements, develops staff, and supports the strategic growth of the consumer loan portfolio. Portfolio management includes Auto, Credit Cards, Personal Loans, and Small Business Lending.

Essential Functions & Job Responsibilities

• Leadership & Management - Supervise, coach, and develop the consumer lending team. Establish clear performance expectations and KPI measures. Foster growth and service culture focused on member satisfaction and target goals.
• Portfolio & Risk Management - Manage performance of all consumer-lending products. Monitor delinquency, charge-offs, and credit trends. Manage loan audits and quality control measures. Create policies and procedures for compliance and operational updates.
• Operational Oversight - Oversee consumer lending workflows. Ensure timely underwriting, closing, and funding. Optimize use of LOS systems and decision engines. Experience developing and implementing new programs, products, and efficient processes.
• Vendor Management - Manage relationships with numerous third-party platforms used in the operation process, including contract review, negotiation, and implementation.
• Compliance - Ensure compliance with all NCUA, federal, and state regulations. Must have a sound application and knowledge of all regulatory practices about lending oversight. Maintain awareness of regulatory changes, staying current with changes required and managing the implementation for safety and soundness.
• Business Development & Strategy - Set course and plan to meet the credit union's target strategic objectives. Analyze market trends and member needs, making adjustments and recommendations to keep the program current. Build relationships with members and participate in community activities. Collaborate with marketing on campaigns and new program development.

Qualifications

• Bachelor's degree preferred or equivalent experience.
• 10 years' consumer lending experience, with 5 years in management capacity.
• Credit Union or financial institution experience preferred.
• Strong understanding of consumer lending products and regulations.
• Experience with LOS platforms, product development, and operational efficiencies.
• Leadership, analytical, and communication skills.
• Strong presentation skills at the executive level.
• Excellent reporting and data analysis skills and proficiency in Word/Excel documents.
• Excellent written communication skills.

Additional Compliance

Employees must ensure the credit union complies with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions with B.S.C.U. will consider the awareness of unusual or suspicious activity relevant to the department. In addition to any other assigned training courses, online B.S.A. and O.F.A.C. courses must be completed at least annually, as made available by the Training and Compliance Department. Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, U.S.A. Patriot Act, O.F.A.C., Fair Lending, and Credit Card Act.

Physical Requirements

The physical demands described here are those an employee must meet to perform the essential functions of this job successfully. Reasonable accommodations may enable individuals with disabilities to perform essential functions. While performing the duties of this Job, the employee is regularly required to sit, use hands to finger, handle, or feel, and talk or hear. The employee is frequently required to walk and reach with hands and arms. The employee must occasionally stand, stoop, kneel, or crouch. The employee may occasionally lift and move up to 10 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.

Work Environment

The work environment characteristics described here represent those an employee encounters while performing the essential functions of this job. Reasonable accommodations may enable individuals with disabilities to perform essential functions. BrightStar Credit Union is an Equal Opportunity Employer. BrightStar Credit Union is a Drug-Free Workplace.