General Manager - Direct Lending - Credit Human

We are seeking a Senior Manager for the Direct Lending Department.

The Senior Manager of Direct Lending is accountable for the general management of the mortgage, consumer, and commercial lines of business. This includes sales, credit, collections, and asset disposal but excludes servicing functions such as payment processing, account statements, and general member inquiries. The incumbent in the role is charged with the operational and reputational integrity of the division in contributing to the fulfillment of Credit Human’s mission and the financial sustainability of the cooperative. In doing so, the incumbent in the role must stay current with industry trends and best practices to drive innovation and growth. 

The role is accountable for leading multiple teams and other managers and integrating their work in pursuit of the credit union’s goals and objectives. The Senior Manager of Direct Lending is expected to develop and implement strategies that improve productivity. This role manages revenue, margin, and expense budgets annually as well as planning for longer time horizons. Effective communication with internal and external stakeholders is essential.

A key aspect of the work is successfully collaborating and serving as a partner to other division managers in the organization for the mutual accomplishment of common and organizational strategic goals.  Collaborating with colleagues is essential for the fulfillment of Credit Human’s priorities, strategies, and objectives. The ability to effectively coordinate and build mutual agreement across interdependent functions toward developing flexible new practices and applying innovation for future product and service breakthroughs is the means to accomplish this.

If you have extensive knowledge of lending functions, a strategic mindset, and general manager/leadership experience, you should apply right away!

Highlights:

• Lead the division to ensure the well-being of the division and its team members
• Add Value for the Future – ensuring that the business in the present continues to run with direct report managers while at the same time building for the future for genuine innovation of products, services, and markets that can stand long exposure to a fluctuating market in the longer term
• Ensure understanding of consumer needs and use this knowledge to effectively develop and deliver new lending services and products that effectively help members create, build, and sustainably maintain financial slack for the credit union (as standalone products or in synergy with other products).
• Optimize the long-term performance of the division to contribute to the financial sustainability of the cooperative
• For situations in which the L5 manager calls for reforming an operating area to meet the organizational need to adapt to the unique nature of external environmental situations, the L4 Manager is accountable for prescribing and executing such reforms within the area of authority

Experience:

    Required

• Experience in leading others, working with senior management team collaboratively, production management, credit underwriting, product development, sales, collections and asset disposal
• Experience with managing change, planning, and product line startups
• 10 or more years of increasing responsibility experience in financial services industry with focus on consumer, commercial, mortgage lending
• 10 or more years in a leadership position
• Experience managing loan origination activities, underwriting, collections, and remarketing
• Experience executing business strategies
• In-depth experience managing profit and loss financial statements
• Experience managing the managers of others

    Preferred

• 7 or more years of general management experience

Education:

    Required

• Bachelor’s degree in Business, Accounting, Finance, Marketing, Computer Science or related field of study, OR equivalent experience and knowledge

Skills & Knowledge:

    Required

• Extensive knowledge of lending functions and processes within financial industry
• Ability to cope with change effectively and lead employees in innovative efforts
• Ability to effectively communicate knowledge and expertise to other professionals, regulators and credit union staff
• Outstanding track record of delivering quality operations for members
• Ability to optimize/improve service efficiencies and effectiveness through the creation of effective organization, process synergy, and the ability to delegate and measure work
• Strong interpersonal skills and ability to communicate effectively with various internal and external stakeholders
• Working knowledge of financial statements
• Strong analytical and conceptual skills with attention to detail
• Ability to prioritize and manage a variety of projects, initiatives and activities
• Results-oriented with a strong focus on the member
• Strong vendor management, negotiation and resolution skills
• Proven ability to collaborate and communicate well with all levels and areas of an organization
• Ability to influence and foster collaborative relationships
• Commitment to self-development and increasing self-knowledge
• Ability to lead employees working in diverse functions to achieve a common goal
• Ability to creatively solve problems and use multi-factor decision models
• Ability to deal with abstract concepts and learn quickly when confronted with problems
• Ability to accomplish work by motivating others
• Future focused with the ability to articulate future possibilities to employees and stakeholders

    Preferred

• Knowledge of Requisite Organization

Schedule: Monday-Friday, 8:30 am-5:30 pm

Salary Range:  $249,000 to $263,000

Level of Work: 4C

Credit Human provides employees with many benefits from insurance coverage to college tuition reimbursement.

To get to know Credit Human and learn more about our benefits, visit our careers page atwww.credithuman.com/careers.

Credit Human conducts employment background checks that may be used for decisions related to employment with Credit Human. Standard background checks performed on final candidates include NCUA Administrative and Prohibited Orders, ChexSystems, past employment verification, criminal history checks on convictions, and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c) Lending