Director of Consumer Lending

At SDFCU, we are committed to attracting and retaining top talent to ensure our continued success. Our tradition of exceptional service extends not only to our members but also to our employees. Through comprehensive internal training and workshops, we nurture professional strengths and provide ample opportunities for career advancement. Are you ready to join our dynamic team? We offer competitive salaries, exceptional health, dental, and vision insurance within the first 30 days of employment, a matched 401(K) plan with up to 4% SDFCU contribution, and much more.

Benefits and Perks of SDFCU Include:

• Diversity and Inclusion: Work in an environment that values and respects all team members
• Paid Holidays: Enjoy 12 paid holidays a year, including your birthday
• Flexible Work Options: Potential work-from-home options after the introductory period
• Generous Paid Time Off: Ample vacation and personal days to maintain a health work-life balance
• Tuition Reimbursement: Support for your ongoing education and career development
• Commute/Parking Incentives: Financial incentives for your daily commute
• Comprehensive Insurance: Access to excellent medical, dental, and vision insurance packages
• Gym Reimbursement: Stay healthy with our gym membership reimbursement program
• Team Bonding: Participate in company and team bonding events that foster a collaborative work environment

Join us at SDFCU and be part of a team that values excellence, innovation, and professional growth.

State Department Federal Credit Union is seeking a Director of Consumer Lending to lead and manage the activities of our consumer lending and indirect departments. This pivotal role focuses on optimizing loan processing, servicing, and compliance to ensure both efficiency and effectiveness.

The Director of Consumer Lending will drive operational excellence, streamline processes, and enhance the customer experience within the consumer lending sector. This is an exciting opportunity for a seasoned professional who thrives in leadership, enjoys improving processes, and is passionate about delivering exceptional member experiences.

Essential Duties and Responsibilities:

• Lead and manage the consumer lending operations team, including loan processing, underwriting, servicing, and collections.
• Develop and implement operational strategies, policies, and procedures to optimize loan processing and ensure compliance with regulatory requirements.
• Monitor and analyze key performance indicators (KPIs) to drive performance improvements and operational efficiencies.
• Assemble, lead, and facilitate teams in the development and implementation of key department projects and initiatives.
• Participate and/or lead in the recruitment and selection process to ensure the Credit Union has the necessary talent to accomplish business and department goals.
• Assists with the configuration and maintenance of the institutions Operating System (OS) system – Meridian Link, Point of Sale System, and all other integrated technologies such as Core Systems and CRM.
• Support the development and promotion of loan products and services.
• Assist in maintaining and updating Credit Union Consumer Lending policies and procedures to comply with government regulations and changes in loan services.
• Ensure timely and accurate completion of section responsibilities within established guidelines, KPI metrics and SLAs.
• Monitor and analyze performance metrics to assess the efficiency and effectiveness of the consumer lending operations

Required Skills and Competencies:

• Bachelor’s degree in Business, Finance, etc or equivalent experience.
• A minimum of 5 years of experience in consumer lending operations with a proven track record of managing teams and optimizing processes.
• Strong vendor relationship management and contract negotiation skills
• Strong analytical, problem-solving, and decision-making skills.
• Excellent leadership, communication, and interpersonal skills.
• Proficiency in accounting software and financial modeling tools.
• Ability to work effectively in a fast-paced, dynamic environment.
• Occasional travel as needed

Working Conditions:

• This position may be able to work in a hybrid in office/remote model.
• Additional travel for meetings, training, and conferences may be needed

Additionally, all SDFCU employees are required to remain cognizant of and adhere to Credit Union policies and procedures and regulations pertaining to the Bank Secrecy Act and the Information Security Policy.