Credit Union:

Advantis Credit Union

Region:

Milwaukie, OR

Closing:

11/19/2021

Job Description:

KEY AREAS OF RESPONSIBILITY & OVERSIGHT INCLUDE: 

  • Manages the day-to-day operations of the Consumer Lending Department to include workflow and staff productivity, ensuring employees deliver exceptional service to internal and external members.
  • Demonstrates effective leadership, teambuilding and goal setting skills, promoting cooperation among employees and other departments.
  • Develops a team of motivated, results-oriented individuals. Encourages employee career development and holds regular coaching/development discussions.
  • Develops effective loan origination processes and procedures. Works closely with retail partners to ensure the effectiveness of the loan origination processes.
  • Develops and maintains consumer lending underwriting guidelines and procedures, coordinating with the lending management.
  • Manages the credit union’s consumer loan origination system and loan documentation.  Continually leverages technology to gain efficiency and automate work whenever possible.
  • Partners with key stakeholders in new product development.  Responsible for loan product set up and maintenance in lending origination software and core systems.
  • Acts as senior loan officer for the credit union.  Approves and declines loans within approved limits and policy restrictions.
  • Underwrites and makes decisions on problem or complex loans and acts on requests for policy exceptions within approved authority.
  • Ensures accurate loan documentation and the perfection of the credit union’s security interests.
  • Develops and maintains indirect lending relationships with auto, RV and boat dealers. Ensures timely processing and funding for completed loan packages.
  • Leads dealer management efforts; resolves problems proactively and monitors concentration and performance of loans at dealership level. Upholds Advantis reputation as an indirect lender.
  • Establishes quality control standards that ensure sound lending practices and strong operational guidelines are in place an enhanced as needed.
  • Leads production for Consumer Lending and works closely with sales and marketing leaders to achieve established goals.
  • Oversees the audit of consumer loans for proper documentation and compliance. Assists the lending management in responding to audit findings and implementing changes.
  • Makes recommendations for new products and lending services. Develops guidelines for product development, review, and implementation.
  • Stays abreast of industry changes. Recognizes risks and opportunities in consumer loan programs.  Recommends strategies and goals for the pricing of retail loan products.
  • Maintains the loan pricing matrix.
  • Acts as a resource to answer difficult questions and to solve complex problems for members and staff.

REQUIREMENTS:

  • Bachelor’s degree in business administration of finance required.
  • Minimum 10 years’ experience in all facets of consumer lending, including indirect dealer loans.
  • Minimum 5 years’ experience with  consumer credit and underwriting, and managing loan origination systems including automated decisioning.
  • Minimum 5 years’ experience managing teams with experience managing other leaders preferred.
  • Proven history of growing a sound consumer loan portfolio.
  • Extensive knowledge of all credit products, underwriting, lending policies and procedures, loan origination systems, and all applicable laws and regulations.
  • Thorough knowledge of all functions within the consumer lending department, all applicable state and federal regulations, and the credit union’s lending policies and procedures.
  • Ability to maintain high standards in areas of information security, accuracy, thoroughness, completeness and neatness of documentation, system input, correspondence, system upgrades and system testing.
  • Thorough knowledge of indirect lending.
  • Demonstrated strong leadership skills with an ability to develop employees. Capacity to work well with others and to resolve issues effectively.
  • Exceptional critical thinking and strategic planning skills.
  • Ability to build relationships and influence and lead change.
  • Ability to interpret and apply the credit union’s policies and procedures.
  • Ability to lead, train and motivate assigned staff, maintain an efficient schedule of workflow, create an atmosphere that promotes teamwork, collaboration and initiative.
  • Ability to analyze work processes and to make recommendations for process improvement.
  • Ability to organize projects, prioritize workflow, and complete multiple tasks simultaneously and accurately.
  • A high level of problem solving skills required to coordinate the department’s functions in the event of security changes, unexpected events and new product or service development.
  • Ability to communicate effectively with management, staff and vendors.  Strong written and verbal communication skills. Excellent group presentation skills.
  • Flexibility to deal with unexpected events, and occasionally attend meetings and events that may occur outside of regularly scheduled work hours.
  • Proficient in the use of MS Office suite including Word, Excel, Outlook, and PowerPoint. Working knowledge of other computer programs within the Credit Union.
  • Ability to act independently with minimal direction.
  • Ability to exercise judgment, initiative and tact in dealing with members, staff and vendors.
  • Ability to maintain confidentiality.

For consideration, please submit a cover letter and resume.

Advantis Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, veteran status, or disability.