Sup - Direct Loan Processing

J  o  b    D  e  s  c  r  i  p  t  i  o  n

THE DETAILS

Job Code:

5045

Grade:

22S

Status:

Exempt

POSITION AND PURPOSE

Lead, direct and supervise Consumer Direct Loan Operations staff while motivating them to meet Golden 1 Credit Union's strategic goals. Assists the Department Manager with all aspects of department operations and performance and provide back-up support for other lending areas as needed. Maintain and strengthen relationships with members, branch staff and management, and auto dealership personnel by fostering an understanding of the credit union's underwriting standards and philosophy.

Maintain a thorough understanding of the credit union's consumer lending policies, credit culture, and economic market conditions. Demonstrates strong leadership and critical thinking abilities.

WHO WE ARE

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE

THE WORK

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Performs quality control and risk assessments as required to maintain operational and credit risk management controls.

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Administer, process, and maintain staff payroll, scheduling, personnel reports and performance appraisals, management analysis and summary reports.

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Ensure superior service to all credit union staff, external business partners, and members of Golden 1 Credit Union by continually reinforcing the importance of exceeding member expectations. Establish processes to effectively monitor the service provided to members and business partners and implement improvements as necessary.

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Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.

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Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision, and core values.

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Ensure effective cross collaboration and teamwork with all internal departments and external groups.

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Maintain strong working knowledge of employee roles and responsibilities in order to serve as an effective leader, role model, and coach.

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Proactively develop and nurture business relationships that are mutually beneficial.

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Direct and/or counsel department staff in conjunction with their job duties and knowledge of Credit Union policies and procedures. Measure and assess performance and service, as well as staff performance relative to adherence with the Credit Union’s stated credit culture.

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Recommend and develop enhancements to business models to meet strategic goals.

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Train department staff on effective fraud detection and prevention techniques to ensure financial stability in our consumer loan portfolio.

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Responsible for receiving and initiating escalated phone inquiries and must communicate and interact with originator and external business partners to provide information or reasoning regarding loan decisions.

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Effectively address and resolve all complaints or issues raised by members, internal staff, and business partners.

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Gather information, perform analysis, and prepare reports as directed by management.

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Oversee training of lending personnel regarding lending policies, process, or procedures, and administering lending promotional campaigns.

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Make recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending.

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Assist in the preparation of training and/or lending presentations.

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Oversee upgrade validations pertaining to lending systems. Understand the use of the automated loan origination system and recommend efficiency improvements.

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Perform other duties as assigned.

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Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union’s risk appetite, and ensure operational integrity and compliance with applicable regulations.

QUALIFICATIONS

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Bachelor’s Degree or equivalent work experience required

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7+ years in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions required

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Strong analytical, organizational skills and attention to detail. Ability to calculate figures and amounts.

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Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations, decisions, and recommendations.

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Remain knowledgeable on key trends in the financial services industry that impact loan quality and underwriting.

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Solid interpersonal, oral, and written communication skills to build and maintain professional relationships with originator and members.

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Good leadership abilities.

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Knowledge of consumer loan underwriting, credit analysis and reporting.

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Comprehensive understanding of both direct and indirect credit union lending policies.

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Ability to sell and promote product lines, and back up lending decisions in a way that enhance originator relationships.

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Time and queue management skills to effectively prioritize multiple objectives.

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Intricate understanding of regional lending market conditions and collateral values.

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Understand the use of the automated loan origination system. Operate on standard Microsoft programs and other computer operations.

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Stay up to date on changes within the department, organization, industry, and current market conditions.

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Must work well in a fast paced and flexible production-oriented department.

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Analytical skills to include reviewing and understanding complex paystub and personal and corporate tax return documents.

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None required

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Accountable for Results - oversees daily performance 

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Delivers results with agility - adjusts workflows quickly

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Collaborates across Teams - encourages teamwork Builds trust and credibility - maintains fairness and reliability 

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Develops others through feedback - coaches jr team members Solves problems proactively - removes barriers for success 

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Communicates with clarity - provides clear direction

ORGANIZATIONAL CONTACTS AND RELATIONSHIPS

INTERNAL:

Credit union management and all levels of staff.

EXTERNAL:

Members, peers at other financial institutions, vendors, and auto dealerships.

WORKING CONDITIONS

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient.

PHYSICAL REQUIREMENTS

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

DECLARATION/ACKNOWLEDGEMENT

This job description outlines the essential functions and physical/mental requirements necessary to perform this role. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.