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Oversee indirect lending, loan services and collection departments through subordinate managers. Direct, develop, mentor and coach department personnel, administer timesheets, leave schedules, performance evaluations, and recommend action where appropriate.

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Manage the overall operations of the consumer lending function, including lending strategies, market strategies, internal processes, evaluation and trend analysis for all related products. Continually assess the internal and external environment for emerging trends, best practices, and market reactions to best position the Credit Union’s consumer loan products for success.

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Oversee and maintain the consumer lending portfolio including monthly reports, monitoring and controlling delinquency and charge-off ratios. Ensure efficiency, profitability, and performance metrics meet or exceed established budgetary targets and strategic objectives.

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Develop and maintain dealer relationships while seizing new opportunities to market the Credit Union to ensure lending activities result in profitable volume. Balance production, spread, and loan losses to attain optimal results.

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Collaborate with the Marketing department to develop and produce an effective marketing plan that promotes the consumer lending program. Collaborate with support teams to understand processes and promote continuous improvements between work groups.

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Ensure consumer loans are underwritten using appropriate underwriting standards, policies, and procedures to ensure safety and soundness. Maintain knowledge of state and federal consumer lending and collection regulations to ensure the Credit Union’s lending and collection policies, lending and collection practices, and documentation are in compliance.

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Performs other job related duties as assigned.

1.

Functions are efficiently, effectively and accurately performed in compliance with applicable regulations, standards and internal policies and procedures.

2.

Makes sound and prudent decisions that are timely, well researched and reflect awareness of impact.

3.

Ensures departmental functions are aligned with the mission, values and goals of the Credit Union.

4.

Is trustworthy and professional in all business dealings. Provides helpful and service driven assistance to all EFCU personnel, members, dealers and vendors.

5.

Actively participates in Project Review and Strategic Planning sessions.