Consumer Lending Supervisor-Hybrid work

New year, new goals and we're looking for team members to help us achieve them! If your resolutions include making an impact in a Not-for-profit organization and creating solutions that shape the future for Members and Employees-then your next career step starts here. 

Respect. Integrity. Ethics. Compassion. Humor. At our Credit Union these five core values aren’t just words on a wall, they are our daily way of life. Our purpose is to build local loyalty, connect to community and make life easier for those we serve. To accomplish this, we hire team members who demonstrate a strong desire to serve others, who embrace change, who are eager to learn, and who enjoy a good laugh.   

At Central Willamette Credit Union, we are laser-focused on building a stronger financial future for each of our members and we’re particularly passionate about making the communities of the Willamette Valley even better places to live, work, and play. We do this by training our sales and service team members to become Financial Advocates who work tirelessly to improve our members’ financial lives. And we don’t stop there. We are fanatical supporters of the non-profit organizations that create the fabric of the communities we call home. You’ll regularly see us sponsoring and volunteering for events with the Boys and Girls Clubs, SafeHaven Humane Society, The United Way, The Center Against Rape and Domestic Violence (CARDV), and the Albany Public Schools Foundation just to name a few. Our team members are encouraged to give of their time and talents as servant leaders, furthering our quest to make the world a more just and caring place. 

POSITION PURPOSE

The Consumer Lending Supervisor oversees the day-to-day operations of the consumer lending team, including underwriting and support/operations staff. This position directly supervises team members, providing consistent training, coaching and development. The Consumer Lending Supervisor works closely with team members to ensure the efficient and effective service delivery of the Credit Union’s consumer lending business lines. The position serves as a member of the Leadership Team and contributes to the development of the Credit Union’s consumer lending strategy. 

ESSENTIAL FUNCTIONS AND RESPONSIBILITIES

Supervision of Team Members and Daily Operations- 40%

• Supervises daily operations of the consumer lending team.
• Coaches and guides team members to ensure highly effective and efficient underwriting and servicing of loans.
• Monitors team performance and provides consistent feedback to maximize productivity and service delivery.

Underwriting Consumer Loans- 15%:

• Underwrites direct and indirect consumer loans within established lending authority.
• Ensures compliance with internal guidelines and policies and adheres to regulatory standards.
• Provides guidance and makes decisions on more complex or challenging loan scenarios.

Loan Origination and Servicing- 15%:

• Provides regular support and completes operational/administrative duties related to consumer loans, including origination and servicing.
• Ensures processes related to lienholder management are appropriately securing the Credit Union’s interest.

Key Stakeholder Relations- 10%:

• Interacts with members and dealers, anticipating their needs, responding to inquiries and fostering impactful relationships.
• Fosters the mutually beneficial and respectful relationship between Consumer Lending and other internal teams/team members.

Quality Control and Audit- 10%:

• Performs regular audits of the consumer lending team, ensuring adherence to guidelines and procedures.

Strategic Collaboration and Leadership- 10%:

• Supports and drives Flywheel initiatives and collaborates cross-functionally as a member of the Leadership Team.

 Performs other duties as assigned.

QUALIFICATIONS

• Thorough knowledge of consumer lending practices and federal/state consumer lending regulations.
• Thorough knowledge of Credit Union services and products.
• Excellent interpersonal, leadership and supervisory skills and demonstrated experience managing others.
• Effective verbal and written communication skills.
• Ability to use related computer software, Microsoft Office products and business equipment.
• Flexibility is necessary as an employee’s job responsibilities may change at any time during employment.
• Understanding the makeup of the credit union’s membership and their needs.
• Must have the ability to work Saturdays when needed, and occasional work outside of normal business hours.

EDUCATION/EXPERIENCE REQUIREMENTS

• High school graduate or GED required. Bachelor’s degree in finance, business administration or related field preferred.
• 3-5 years’ financial institution experience with an emphasis on consumer lending or operational management.
• 1-3 years’ experience underwriting consumer loans (auto, unsecured, etc.)
• 2 years’ experience as a supervisor or manager in a credit union, bank or other financial institution preferred.

PHYSICAL REQUIREMENTS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Full-Time hours required, with additional hours as necessary to accomplish objectives, goals and projects.

• Ability to sit or stand within proximity of a computer terminal for extended periods.

• Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus.
• Frequently required to stand, walk and sit