Consumer Lending Assistant Manager en RALLY CREDIT UNION

Summary

PRIMARY OBJECTIVE OF POSITION

The incumbent has managerial responsibility of the consumer lending department with direction and oversight. Follow credit union policies and procedures as well as federal and state regulations. Work in conjunction with peer management team members and upline management to exercise leadership skills that promote a team orientated environment, motivate staff toward accomplishing goals, productivity, accuracy, and efficiency. Must be objective in oversite and maintain confidentiality of all staff. Align department goals and staff with the strategic and operational goals of the Credit Union.
 

ESSENTIAL JOB FUNCTIONS

• Approve and ensure all time records, absence leave, annual leave, overtime and attendance exceptions are accurately recorded in the designated system.
• Complete orientation of new employees in overall department and Credit Union procedures.
• Holds meetings monthly with department employees for updates to department, reinforce policy, procedures, and discuss areas needing improvement, criticisms, changes in procedures, etc.
• Daily, Weekly, Monthly reporting – compile reporting data, ensure accuracy of department reports, review reports and make improvement recommendations when applicable; work assigned duties with reporting data as assigned.
• Ensure Team Leads maintain timely and effective coaching of the Growth and Development Plans to include workbook, IDPs, call reviews, loan reviews, journaling, and side by side coaching.
• Conduct routine audits on staff to ensure compliance with guidelines.
• Complete and review score cards with Team Leads/Staff in timely and accurate manner.
• Utilize account and call review scoring and notes, coaching logs, score cards, Team Lead feedback and observation to identify training needs of staff; recommend training and development needs to Consumer Lending Management.
• Participate in department training and development of staff through formal trainings, side by sides and call calibrations.
• Ensure all required trainings, including compliance trainings, are completed timely.
• Review and decision loans in a timely manner as needed.
• Ensure Clean Desk policy is executed daily to ensure member and company data confidentiality.
• Maintain performance summary notes for annual performance reviews of staff; assist Consumer Lending Management in completing annual reviews timely.
• Assist in member escalations.
• Monitor and recommend position progression and lending limits.
• Review and resolve issues presented by Senior Management, Branch Managers, Coaches/Team Leaders, and member service.
• Responsible for working closely with Senior Management, Training, Consumer Loan Underwriters, and Member Service staff to achieve performance goals. Responsible for management of workflow of phone and online applications. Review, analyze, and interpret performance reports monthly.
• Act as a liaison between Senior Management and IS Department in the implementation phase of any new or updated lending systems.
• Monitor, analyze, and communicate trends related to the phone and online applications.
• Demonstrates an understanding of and follow the requirements of all regulation compliance including but not limited to those Bank Secrecy Act (BSA), AntiMoney Laundering (AML), Office of Foreign Assets Control (OFAC), Customer Identification Program (CIP) and Member Due Diligence (MDD) as it specifically relates to their job functions.
• Responsible for completing BSA/AML compliance training annually.
• Any other duties as assigned by management.

RELATIONSHIPS AND CONTACTS

Supervise Approximately:  15-25

Reports To:  AVP of Consumer Lending

Contacts:  Extensive contact with Remote Lending staff. Frequent telephone or electronic contact with credit union personnel, and occasional contact with members.

Requirements

EDUCATION

• Associate Degree or completion of approximately 64 credit hours Business related field

EXPERIENCE

• 3 years Consumer Loan Origination Required and
• 1 year Coaching role in a high-volume customer service branch or call center.

PHYSICAL REQUIREMENTS

• Standing - Occasionally
• Walking - Occasionally
• Sitting - Constantly
• Lifting - Rarely
• Carrying - Rarely
• Pushing - Rarely
• Pulling - Rarely
• Climbing - Rarely
• Balancing - Rarely
• Stooping - Rarely
• Kneeling - Rarely
• Crouching - Rarely
• Crawling - Rarely
• Reaching - Rarely
• Handling - Occasionally
• Grasping - Occasionally
• Feeling - Rarely
• Talking - Constantly
• Hearing - Constantly
• Repetitive Motions - Frequently
• Eye/Hand/Foot Coordination - Frequently

MENTAL REQUIREMENTS

• Most important to this position are good communication and human relation skills, organizational abilities, initiative and follow through, member relations and reliability. 
• Must have the tact and diplomacy to deal with very difficult situations and irate members.
• Must demonstrate the ability to lead, guide, and work well with others.

EQUIPMENT REQUIREMENTS

• This job primarily operates in a professional office environment and routinely requires the use of standard office equipment such as computers, phones, copy machines, etc.

I acknowledge that I have received, read, and understand this Job Description.  I agree to perform to the best of my abilities the functions and duties described herein, with or without reasonable accommodation.  I understand that this Job Description does not constitute an employment contract or alter my "at-will" employment status.  I further understand that the duties and responsibilities described in this Job Description are subject to change or modification, as determined by management, and that I am responsible for performing any job duties, or other tasks, and responsibilities that may be assigned, and/or directed by management.