Consumer Credit Manager jobs in Texas

Description

Come join our 2023 Top Workplace team!


We are seeking a dynamic Consumer Lending Operations Manager to drive lending operations across multiple channels. In this position you will oversee indirect and direct lending functions, including underwriting, processing, and funding, coach and develop your team, as well as facilitate training for new team members. Do you have Meridian Link and/or Symitar experience? Be sure to include that in your resume if you do!

If you're a proactive leader with a passion for ensuring operational excellence, we want to hear from you! Join us and be part of a team dedicated to delivering exceptional lending solutions to both members and employees.

Note: This position does not involve mortgage loans of any kind.

As part of our application process, we also ask that you set aside 10-12 minutes to complete a 2 page survey for the Consumer Lending Operations Manager position. This is a tool that we'll use to better understand the training and development needs of our employees, including how they prefer to be managed and communicated with. To take the survey, CLICK HERE.

Here are some of the perks you'll get when working at ACU of Texas:

• Health Insurance Benefits: Effective after 30 days!
• Sunday's off
• Paid Holidays
• Paid time off: Starts accruing on your first day!
• 401(K) Options, which now includes a Student Loan Repayment Match option
• Tuition Reimbursement Program
• And many more!

The position responsibilities are:

1. Manage the indirect lending channel which includes the underwriting, funding and cross-selling of our indirect loans.
2. Manage the underwriting team to ensure proper coverage, proper branch/dealer service, proper profitability and delinquency ratios.
3. Manage the funding team to ensure excellent service and proper coverage for our branch direct lending.
4. Make every effort to provide excellent service to our members through cross-selling.
5. Interview and take applications for loans; prepare loan applications for approval and securing necessary credit ratings on all loan applications.
6. Assist with approval processing and funding of employee loans, maintaining confidentiality of the information collected.
7. Work with our indirect dealer representative to maximize our indirect volume and profitability.
8. Provide information concerning credit unio services or policies, including: eligibilty for membership, how to apply for membership, type of accounts available, loan policies, interest rates for loans, locations of the office(s), office hours, and telephone services.
9. Work with our funding team to ensure qualified referral and cross-sell thresholds are exceeded.
10. Take lead in training new employees in the LPC department - both underwriters and processors.
11. Cross train new branch lending employees and offer advice on applications, processing and underwriting.
12. Acheive goals set by ACU management for loan volume, cross selling (Gap/Warranty/Credit Cards/Payment Protection) and delinquency and compliance reviews.
13. Responsible for semi-annual review of all LPC underwriters and processors.
14. Assist the loan processors as needed to help fund thebranch generated ACU consumer loans. Must be proficient with ACU loan funding policy and guidelines.
15. Work with business development to generate, maintain and track dealer relations for loan business.
16. Serve as a subject matter expert for the ACU lending process. Assist branch employees with questions or issues.

The above information in this description has been designed to indicate the general nature and level of work performed by employees within this job. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

Qualifications

Education/ Certifications/ Licenses

A college degree.

Experience

Two to five years of similar or related experience, including time spent in preparatory positions.

Interpersonal Skills

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.re essential to the position.

American with Disability Specifications

Physical Demands

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.

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to handle, or feel objects, tools or controls; reach with hands and arms; balance; stoop, kneel, crouch or crawl; talk or hear; push/pull, reach and engage in repetitive motions. Occasionally exert up to 20 pounds of force, and/or a negligible amount of force constantly to move objects. Light work involves sitting or standing for lengths of time.

Work Environment

Work environment characteristics 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.

While performing the duties of this job, the employee is not exposed to weather conditions.

The noise level in the work environment is usually moderate.