Lending Operations Manager

Company: Gulf Winds Credit Union
Location: Pensacola
Posted on: January 14, 2021

Job Description:

Role:Manages a team with a focus on high quality service delivery. Will manage the operations of mortgage processing, consumer loan processing and underwriting, for both direct and indirect lending. Key areas of focus include consumer loan decisions and loan quality, pipeline management of all loans in process, monitoring of file flow and workloads all while meeting expectations, turn times, and member service goals. Must monitor efficiencies and continually look for ways to improve processes, both in terms of procedures and use of the loan origination system to ensure continuous member service improvements and error reductions. Must build and maintain productive and positive partnerships with VP/Lending and AVP/Lending Operations to foster optimal member experience and internal efficiencies.Essential Functions & Responsibilities:Has direct oversight for the processing of consumer loans, to include ensuring prompt action is taken to obtain all necessary documentation, confirming all parties involved in the loan transaction are kept informed of the loan status, monitoring direct and indirect funding activities for quality, monitoring results of internal audits for areas needing improvement/additional training.Has direct oversight and participation in the underwriting, loan quality and performance of all consumer loans. Must attain Level IV Underwriting Authority within 60-days of hire.Creates and maintains a highly efficient and productive environment that values team members and rewards performance.Communicates effectively verbally and in writing to provide excellent member and team member service. Follows up with key individuals within one business day to resolve problems and/or respond to inquiries.Has full knowledge of and is able to communicate with members and staff about credit bureau reports and credit histories, risk-based lending scores, invoice and wholesale values of collateral, lien perfections, loan and deposit rates, credit union policies and procedures, and loan decisions.Maintains a working knowledge of consumer lending regulations and industry trends and makes recommendations that support the strategic initiatives of the Credit Union.Conducts training as needed to ensure consistent processes between the indirect, direct, and retail channels.Performs other job-related duties as assigned.Performance Measurements:1. Maintains a cohesive, highly trained, motivated staff sufficient to meet loan demand; ensures that service level standards are met and that the team is delivering quality results.2. Ensures that all consumer lending underwriting and processing activities are in compliance with established policies and regulations.3. Ensures that consumer lending underwriting processing procedures are current.4. Ensures consumer loan quality is in line with organizational goals and risk appetite.5. Ensures that lending workflows and processes are streamlined, efficient and compliant.6. Keeps management informed regarding key operational issues affecting the department or the credit union.7. Ensures that direct reports achieve individual goals and receive ongoing developmental training.8. Coaches employees monthly; completes performance reviews within the prescribed timeframe.9. Complies with all applicable rules, regulations and policies, including but not limited to BSA, OFAC and Physical Security.Knowledge and Skills:Experience: 3-5 years of similar or related experience required.Education: A two-year degree, completion of a specialized course of study, or equivalent level of experience is required.Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. Must be able to work independently as well as with a team.Other Skills: Work may involve motivating, influencing, or training others. Excellent communication and supervisory skills. Proficiency in spreadsheets and word processing software; skilled in PC and general office equipment including 10 key calculator. Excellent PC skills, proficient in Windows and Microsoft Office programs. A track record of working effectively in a team environment and building solid relationships. If selected, must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS.Work Environment: May occasionally require an adjusted work schedule including evening/weekend hours.This Job Description is not a complete statement of all duties and responsibilities comprising the position.Gulf Winds is an Equal Opportunity Employer. Drug Free Workplace.

Keywords: Gulf Winds Credit Union, Pensacola , Lending Operations Manager, Executive , Pensacola, Florida