consumer loan manager

FourLeaf Federal Credit Union

<div>It Starts With Our Employees
FourLeaf's ultimate goal is to provide the best-in-class member and employee experience, and it all begins with two things: hiring incredible people and giving them a great place to work.

What You&rsquo;ll Do

The Consumer Loan Specialist plays a key role in supporting members on their financial journey by providing knowledgeable and responsive service. Core responsibilities include handling inbound inquiries related to Consumer Loans and assisting with new applications in alignment with established lending policies. This role upholds the organization&rsquo;s commitment to delivering an extraordinary member experience.

This position is open to flexible work options including a remote set up.

Core Contributions
<ul>
<li>Serve as a key point of contact within an inbound call center environment, responding promptly to Consumer Loan inquiries via the Five9 platform in accordance with established service level objectives. Ensure a high-quality, personalized member experience through effective communication and timely follow-up.</li>
<li>Perform in-depth consultative assessments to identify and evaluate member needs, delivering tailored solutions aligned with their financial goals. Clearly communicate available programs and processes, setting accurate expectations to ensure a transparent and informed member experience.</li>
<li>Accurately complete all required fields within the Loan Operating System in accordance with established departmental Standard Operating Procedures to ensure data integrity and compliance.</li>
<li>Responsible for achieving individual performance objectives and effectively managing the loan pipeline, while closely monitoring loans in process to ensure a seamless and high-quality member experience throughout the lending journey.</li>
<li>Maintain comprehensive knowledge of FourLeaf lending program guidelines, policies, and procedures to ensure compliance and effective execution. Proactively identify opportunities for collaboration across departments to enhance member engagement and support broader organizational initiatives.</li>
<li>Comply with all aspects of Bank Secrecy ACT (BSA)/Anti-Money Laundering (AML), Office of Foreign Asset Control (OFAC) and Consumer Financial Protection Bureau (CFPB) regulatory requirements as it relates to this position.</li>
</ul>
Certifications: NMLS registered or ability to become NMLS registered upon hire.

Assets You Will Bring
<ul>
<li>High School or GED required.</li>
<li>1 year of experience in financial services, call center, or other related customer service environment.</li>
<li>Certifications: NMLS registered or ability to become NMLS registered upon hire.</li>
</ul>
The estimated salary for this role is $23.96 to $28.15 per hour. (FourLeaf Federal Credit Union offers a comprehensive benefits package, including medical, dental, and vision coverage; life and disability insurance; voluntary benefit programs; a 401(k) plan with employer match; reimbursement and wellness programs; and an annual performance-based bonus.)

What Sets Us Apart?

In addition to our comprehensive benefits, we invest in employee connection and well-being through:
<ul>
<li>Competitive 401(k)</li>
<li>Tuition and fitness reimbursement programs</li>
<li>Flexible work options</li>
<li>Volunteer opportunities</li>
<li>Executive &ldquo;Water Cooler Chats&rdquo;</li>
<li>Clubs, sports, and social events</li>
<li>Food truck days</li>
</ul>
&hellip;.and more!

Who is FourLeaf?

FourLeaf Federal Credit Union (FourLeaf) has been committed to the financial well-being of our members for over 80 years. Through our full range of competitive savings and loan products, you can trust us in every step of your financial journey. From applying for a credit card to closing on your mortgage to opening your child&rsquo;s first savings account, FourLeaf is here to help you reach your financial goals.

We are proud to be an award-winning place to work! Some of our recent recognitions include Certified Great Place to Work 2024-2025, America&rsquo;s Greatest Midsize Workplaces 2025, Quantum Workplace Employee Voice Award 2024, and Fortune&rsquo;s Best Workplaces in Financial Services &amp; Insurance 2024.

As a credit union, our vision is to enrich the lives of our members, employees, and communities. Since 2002, we have been an integral community partner through our charitable giving and community development programs in New York and beyond.</div>

Consumer Loans Specialist - Lending Call Group

Thrivent

<div>Under general supervision, this position provides general technical and operational support and knowledge for functions related to the bank&rsquo;s consumer loan processing and servicing operations functions and home equity servicing operations. This role will ensure loan servicing activities are performed accurately and in compliance with internal policies and procedures within the Consumer Loan Operations team. This position will require working in the Operation Center Office in Appleton, WI as needed. 
DUTIES &amp; RESPONSIBILITIES:<div><div><ul><li>
Create and review consumer loan closing packages to ensure compliance with regulatory and bank lending policy.</li></ul></div><div><ul><li>
Complete loan maintenance items within various systems including but not limited to file maintenance, lien releases, loan payoff quotes, satisfactions, subordinations, and fee adjustments.</li></ul></div><div><ul><li>
Accurately enter new loan data into the bank&rsquo;s core processing system for accurate collateral tracking, repayment method and reporting.</li></ul></div><div><ul><li>
Meet quality and productivity standards and perform in a fast-paced loan production environment.</li></ul></div><div><ul><li>
Responsible for accurate disbursements of loan proceeds, including payoffs, general ledger entries, and check disbursements.</li></ul></div><div><ul><li>
Accountable for responding to verbal and written inquiries from internal and external clients in accordance with department procedures.</li></ul></div><div><ul><li>
Process payoffs, loan payments and returned loan payments.</li></ul></div><div><ul><li>
Reviews various scheduled reports, as assigned, for exceptions, errors, auditing, and to perform maintenance transactions.</li></ul></div><div><ul><li>
Models Thrivent&rsquo;s leadership competencies &ndash; courage, collaboration, and commitment by demonstrating resiliency, working together to make the best decisions, and holding yourself and others accountable.
</li></ul></div><div><ul><li>Supports and/or develops an environment in which Thrivent employees and colleagues are focused on continuous improvement, exceptional employee engagement, and an unwavering commitment to our clients. Shapes and/or supports a culture that represents the Thrivent purpose, promise and values, ensuring that Thrivent&rsquo;s trust and reputation remain strong with its clients.
</li><li>This role will require working directly with the bank&rsquo;s internal and external clients to accurately manage all requests in a confidential and timely manner according to service level agreements and standard operating procedures.</li><li>
This role also requires strong partnerships and communication between the Personal Banking Team to ensure we are delivering the best experience for our clients with the onboarding of new consumer loans.</li></ul></div></div><div><div> 
 QUALIFICATIONS &amp; SKILLS:<div><div>
 Required:</div><div><ul><li>
High School/equivalent or an associate degree preferred</li></ul></div><div><ul><li>
One year banking operations experience required with customer service experience preferred</li></ul></div><div><ul><li>
One year customer service experience required with banking operations experience preferred</li></ul></div><div><ul><li>
Strong communication (written and verbal), interpersonal and customer-service skills</li></ul></div></div><div><div> 
Preferred:</div><div><ul><li>
Demonstrate excellent problem resolution skills</li></ul></div><div><ul><li>
Ability to coordinate multiple tasks simultaneously</li></ul></div><div><ul><li>
Bank operations platform experience preferred</li></ul></div><div><ul><li>
Ability to work accurately, both independently and as part of a team, with interruptions to meet deadlines</li></ul>
Additional Information<ul><li>
This position requires you to be able to work on-site in Appleton, WI in a hybrid working structure with some remote flexibility.</li></ul></div></div></div></div> 
Pay Transparency 

Thrivent&rsquo;s long-term growth depends on attracting, rewarding, and retaining people who are committed to helping others thrive with purpose. We accomplish this by offering a wide variety of market competitive compensation programs to attract, reward, and retain top talent. The applicable salary or hourly wage range for this full-time role is $19.80 - $26.79 per hour, which factors in various geographic regions. The base pay actually offered will be determined by a variety of factors including, but not limited to, location, relevant experience, skills, and knowledge, business needs, market demand, and other factors Thrivent deems important. 

Thrivent is unique in our commitment to helping people to be wise with money and live balanced and generous lives. That extends to our benefits. 

The following benefits may be offered: various bonuses (including, for example, annual or long-term incentives); medical, dental, and vision insurance; health savings account; flexible spending account; 401k; pension; life and accidental death and dismemberment insurance; disability insurance; supplemental protection insurance; 20 days of Paid Time Off each year; Sick and Safe Time; 10 paid company holidays; Volunteer Time Off; paid parental leave; EAP; well-being benefits, and other employee benefits. Eligibility for receipt of these benefits is subject to the applicable plan/policy documents. Thrivent&rsquo;s plans/policies are subject to change at any time at Thrivent&rsquo;s discretion. 
Thrivent provides Equal Employment Opportunity (EEO) without regard to race, religion, color, sex, gender identity, sexual orientation, pregnancy, national origin, age, disability, marital status, citizenship status, military or veteran status, genetic information, or any other status protected by applicable local, state, or federal law. This policy applies to all employees and job applicants.
Thrivent is committed to providing reasonable accommodation to individuals with disabilities. If you need a reasonable accommodation, please let us know by sending an email to human.resources@thrivent.com or call 800-847-4836 and request Human Resources.</div>

Consumer Loan Ops Rep-Bank, Hybrid

SOUTHERN SECURITY FEDERAL CREDIT UNION

<div>Description:

POSITION PURPOSE
Responsible for receiving, reviewing, and processing applications for consumer loans, home improvement, second mortgage, home equity, credit card, and overdraft account loans. Meets with applicants to explain credit policies and to obtain additional loan information and documentation. Assembles and evaluates loan applications. Presents loan requests above the lending limit for approval per loan. Ensures that members and prospective members are promptly and professionally served. Provides general Credit Union information and cross -sells services.
ESSENTIAL FUNCTIONS AND BASIC DUTIES<ul><li>
Assumes responsibility for effectively receiving, reviewing, and processing loan applications.</li><li>
Interviews, takes applications, gathers information, and processes preliminary documentation on loan requests.</li><li>
Evaluates and verifies loan applications and credit criteria. Computes debt ratios. Verifies employment and income. Determines the value of collateral. Approves loans within the limits of authority and notifies applicants of loan decisions. Requests additional information if required.</li><li>
Coordinates and processes closings. Ensures that each loan is promptly and properly prepared, documented, processed, approved, and disbursed.</li><li>
Calculates terms, finance charges, and insurance on loans for proper disclosure on promissory notes.</li><li>
Assists in servicing loans by processing such items as payoff, refinances, problem loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.</li><li>
Assumes responsibility for filing vehicle titles and prompt follow-up on titles still pending. Verifies car insurance coverage. Makes car appraisals.</li><li>
Sells credit union products and services.</li><li>
Performs duties of area personnel, as required.</li><li>
Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant. Ensures that loan requests are properly documented.</li><li>
Assumes responsibility for establishing and maintaining effective and professional business relationships with members.</li><li>
Resolves members' requests and questions promptly and courteously. Provides blue book values and answers questions regarding government loans and real estate policies.</li><li>
Keeps members properly informed of Credit Union loan policies and services.</li><li>
Ensures that the Credit Union's quality and professional reputation is projected and maintained. Upholds the SSFCU Service Values.</li><li>
Counsels members regarding money management and financial matters.</li><li>
Assumes responsibility for establishing and maintaining effective coordination and communication with area personnel and with management.</li><li>
Assists area personnel as needed. Assists other Loan Officers.</li><li>
Completes reports and records promptly and accurately. Type loans and all supporting documents as required. Ensures appropriate credit union documents are scanned.</li><li>
Attends meetings as required.</li><li>
Keeps Management informed of area activities and of any significant problems.</li><li>
Assumes responsibility for related duties as required or assigned.</li><li>
Actively and professionally cross-sells Credit Union services.</li><li>
Stays informed regarding local and national economic conditions and legal and regulatory changes.</li><li>
Ensures proper maintenance, cleanliness, and security of work area, desks, equipment, etc.</li></ul>
Requirements:

EDUCATION/CERTIFICATION: High school graduate or equivalent. Some college preferred.
EXPERIENCE PREFERRED: Minimum of 12 months previous teller experience or similar. Knowledge of basic financial institution
regulations.
SKILLS/ABILITIES: Excellent communication skills, verbal and written.
Service-oriented, including ability to assist others with a positive attitude.
Able to analyze accounts, possessing solid math skills.
Focused and attentive to detail.
Utilizes confident decision-making skills.
Well-organized.
Possesses strong business acumen and professionalism.
Able to use computer and all related business equipment.</div>

Consumer Loan Officer

Lendable

<div><h2 class="jobSectionHeader">About Lendable</h2>
Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world&rsquo;s leading fintech companies and are off to a strong start:<ul><li>
One of the UK&rsquo;s newest unicorns with a team of just over 700 people</li><li>
Among the fastest-growing tech companies in the UK</li><li>
Profitable since 2017</li><li>
Backed by top investors including Balderton Capital and Goldman Sachs</li><li>
Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)</li></ul>
So far, we&rsquo;ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers&rsquo; hands in minutes instead of days.
We&rsquo;re growing fast, and there&rsquo;s a lot more to do: we&rsquo;re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.<h2 class="jobSectionHeader">
Join us if you want to</h2><ul><li>
Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1</li><li>
Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo</li><li>
Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting</li></ul><h2 class="jobSectionHeader">
About the role</h2>
Personal loans are the fastest-growing consumer credit product in the US - originations increased 26% last year alone to a record high. Americans are actively seeking cheaper, faster, more transparent alternatives to credit card debt and traditional bank loans.
Having built a market-leading, profitable business in the UK, Lendable launched US Personal Loans in 2022. Four years of building credit models, customer journeys, operational infrastructure and nearly $500m in originations - and the foundation is set. What comes next is the exciting part: aggressive growth into the largest lending market in the world.
We're hiring a Senior Product Manager to own multiple product areas to support this expansion - defining strategy, shipping features, and driving outcomes end-to-end.<h2 class="jobSectionHeader">
What you'll work on</h2>
This isn't a &quot;write tickets and attend standups&quot; PM role. You'll own real problems such as:<ul><li>
Getting our proprietary credit models into production - working with data science to turn research into real lending decisions</li><li>
Designing and building automations that make our operations team dramatically more efficient</li><li>
Using data to ideate the most valuable initiatives that could improve credit quality, reduce losses, help the customer, or grow volume</li><li>
Figuring out how best to use LLMs to intelligently aid with customer service, servicing, collections</li><li>
A/B testing customer journeys from application through to servicing - finding what actually moves conversion, satisfaction, and repayment</li><li>
Improving the post-origination experience - payments, customer support, and everything that happens after a loan is funded</li><li>
Leading the team, aligning and motivating everyone around you, continuously improving the tools and processes we use to deliver at speed</li></ul><h2 class="jobSectionHeader"> 
Your team</h2>
You'll report to the Head of Product and collaborate closely with the Managing Director of US Loans. You'll join two other PMs and work most closely with:<ul><li>
~14 engineers (mostly backend), split across London and Europe</li><li>
A data science team (2&ndash;3 people) building credit and pricing models</li><li>
A credit risk team (~4 people) - some of your closest collaborators</li><li>
A growth team (1-2 people) focused on acquisition</li><li>
Operations agents - you'll build the tools that make their work better</li></ul>
The team spans our London office, European remote engineers, and our Arlington, Virginia office near DC.<h2 class="jobSectionHeader">
AI at Lendable - we're serious</h2>
We want to build the most AI-forward financial services company in the world.
Our PMs don't just manage products. They use AI to push the boundaries of what one person can achieve. Today, PMs at Lendable write python and SQL to generate analytical insights that used to need teams of analysts. They commit PRs to production for straightforward features. They build their own agent workflows to automate repetitive work.
The PM role here is genuinely expanding in all directions, and we expect you to be excited about this. You've been tinkering already - side projects, personal agents, AI-assisted analysis, building tools with Claude Code or similar. You don't wait to be told what AI can do; you've been finding out yourself.
If you want to work somewhere that treats AI as a force multiplier for ambitious people - not a bullet point on a slide deck - this is it.<h2 class="jobSectionHeader">
What we're looking for</h2><ul><li>
5+ years in Product, Strategy, or Analytics - at least 2 in a product management role</li><li>
3+ years in fintech, financial services, or a strong grasp of lending and credit</li><li>
You&rsquo;re a highly curious, systems thinker who connects dots and thinks through end-to-end impact</li><li>
You've built with AI - agents, workflows, code generation, analysis. Show us what.</li><li>
Track record of shipping products that moved real business metrics</li><li>
Comfortable with data and SQL - you know what questions to ask, and you answer them yourself</li><li>
Bonus: high-growth startup or scale-up experience</li></ul>
Don&rsquo;t worry if you don&rsquo;t quite meet all of these criteria, we&rsquo;d love to have a chat with any great candidates!<h2 class="jobSectionHeader"> 
How you work</h2><ul><li>
You break complex problems into shippable pieces</li><li>
You decide under ambiguity and own the outcome</li><li>
You communicate crisply - to the MD, to engineers, in a spec</li><li>
You build cross-functional relationships and pull the right people together</li><li>
You move fast, default to action, and course-correct when needed</li></ul><h2 class="jobSectionHeader">
Compensation</h2><ul><li>
Strong base salary benchmarked to market, scaled to your experience and level</li><li>
Equity vesting over four years. Lendable has been profitable since 2017 - one of very few fintechs globally that can say that - and is building towards what comes next.</li></ul><h2 class="jobSectionHeader">
Interview process</h2>
We respect your time and move quickly: 
1. Intro call (remote) - 30 min with our talent team (~Week 1)
2. Product chat (remote) - 45 min with the Head of Product to discuss your background and how you think about product (~Week 2)
3. Take-home exercise (remote) - a practical product challenge in your own time, followed by a video debrief (~Week 2-3)
4. Final round (in our London offices) - typically CPO, US Loans MD, and Engineering Manager, Head of Product (~Week 3)
We aim to wrap up in ~3 weeks and will work around your schedule.<h2 class="jobSectionHeader">
Life at Lendable</h2><ul><li>
The opportunity to scale up one of the world&rsquo;s most successful fintech companies.</li><li>
Best-in-class compensation, including equity.</li><li>
You can work from home every Monday and Friday if you wish - on the other days, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas.
</li><li>Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.</li><li>
We care for our Lendies&rsquo; well-being both physically and mentally, so we offer coverage when it comes to private health insurance</li><li>
We're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London</li></ul>
Check out our blog!</div>

Senior Product Manager (US Loans)

Camping Nation RV's LLC

Camping Nation RV&rsquo;s&trade; is seeking a high-performing Finance Manager to lead our financial services department. This role is critical in bridging the gap between a customer&rsquo;s dream of ownership and the final delivery. You will be responsible for securing competitive financing, managing all contract documentation, and&mdash;crucially&mdash;driving revenue through the strategic sale of back-end products.The ideal candidate is a persuasive communicator who understands that the sale doesn't end when the unit is picked; it&rsquo;s about ensuring the customer is protected and their RV is fully equipped for the road.Key Responsibilities<ul><li>Back-End Product Sales: Actively present and sell a comprehensive menu of aftermarket products, including:</li><li>Extended Service Contracts (Warranties)</li><li>GAP Insurance and Total Loss Protection</li><li>Tire &amp; Wheel Protection</li><li>Paint and Fabric Protection packages</li><li>Parts &amp; Accessories Integration: Collaborate with the Parts and Service departments to incorporate accessory packages and essential road-ready kits into the customer&rsquo;s financing.</li><li>Lender Management: Maintain and expand relationships with local and national lenders to secure the best possible rates and terms for a diverse customer base.</li><li>Financial Consulting: Conduct professional interviews with customers to assess their needs, review credit applications, and explain financing options clearly.</li><li>Compliance &amp; Documentation: Ensure 100% accuracy in all paperwork. You will manage the entire lifecycle of a deal, from credit submission to final funding, ensuring compliance with all state and federal regulations.</li><li>Profitability Tracking: Monitor and report on key performance indicators (KPIs) including PVR (Profit Per Vehicle Retailed) and product penetration rates.</li></ul>Qualifications<ul><li>Experience: Proven track record as an F&amp;I Manager in the RV, Automotive, or Marine industry.</li><li>Sales Expertise: Exceptional ability to &quot;sell from the menu&quot; and overcome objections regarding back-end products and warranties.</li><li>Communication: High-level verbal and written communication skills; ability to build instant rapport with customers.</li><li>Detail Mastery: Extreme attention to detail to ensure contracts are funded quickly and correctly the first time.</li><li>Ethics: A high degree of personal and professional integrity.</li></ul>Why Join Camping Nation RV&rsquo;s&trade;?<ul><li>Strong Inventory: Opportunity to work with high-demand units, including high-end fifth wheels and toy haulers.</li><li>Earning Potential: Competitive base salary plus a performance-driven commission structure</li><li>Professional Branding: Join a growing, trademarked brand dedicated to quality and customer satisfaction.</li></ul>** Base pay will be dependent upon experience + 15-20% commission on all back end products sold**Pay: $40,000.00 - $70,000.00 per yearApplication Question(s):<ul><li>Do you have any experience with finance in the RV industry? </li></ul>Work Location: In person

RV Finance Manager

Oman Investment Authority

<div>
 
 
 JOB PURPOSE
 
 
 
 The Debt Management Manager is responsible for leading the execution of the funding strategy and capital structures of Oman Investment Authority (OIA) and its portfolio companies, while managing relationships with financial markets and key stakeholders. The role ensures efficient access to both domestic and international capital markets and optimizes borrowing costs within defined risk parameters. It focuses on evaluating financing terms, monitoring portfolio debt activities, and advising on capital structure decisions to support sustainable funding and alignment with OIA&rsquo;s investment objectives.
 
 
 The role supports the assessment of financing implications for strategic investments and transactions, while providing insights on funding markets and capital structures. It plays a critical role in evaluating investment proposals submitted to the Investment Committee (IC), particularly those involving debt, ensuring that debt across Oman Investment Authority (OIA) and its portfolio entities remains sustainable and aligned with optimal capital structure principles.
 
 
 Furthermore, the Debt Management team plays a strategic role in safeguarding OIA and its portfolio companies from potential legal and financial risks. It ensures that all financing covenants are carefully structured to prevent contingent liabilities, while protecting OIA&rsquo;s cash flows and assets from unnecessary or restrictive obligations imposed by banks and financial institutions.
 
 
 
 
 
 
 ROLES AND RESPONSIBILITIES
 
 
 <ul>
 <li>
 Lead the implementation of OIA companies annual borrowing plan and medium term debt strategy. Execute domestic and international debt issuances, including bonds, sukuk, and syndicated loans. Identify optimal timing, instruments, currencies, and tenors for issuances based on market conditions. Ensure cost-risk optimization of OIA companies debt portfolio.
 </li>
 <li>
 Lead the end-to-end structuring of OIA companies debt transactions across instruments, including: Conventional bonds (fixed, floating rate, inflation-linked), Sukuk (Ijara, Murabaha, Wakala structures) and Syndicated loans and private placements. Determine optimal transaction parameters: currency selection (local vs. hard currency), tenor and maturity profile (benchmark vs. off-curve) and size and tranche strategy (single vs. multi-tranche issuance) based on market conditions and company requirements. Evaluate funding alternatives under different market scenarios to ensure alignment with cost-risk objectives.
 </li>
 <li>
 Ensure and oversee OIA companies pre-issuance market soundings with key investors and banks to assess: demand appetite, pricing expectations and preferred structures and maturities
 </li>
 <li>
 Analyze secondary market performance of outstanding sovereign bonds and peers. Recommend optimal RFP windows based on: market liquidity conditions, interest rate environment and geopolitical and macroeconomic factors. Continuously monitor execution risks (e.g., volatility spikes, rate movements).
 </li>
 <li>
 Oversee the selection and appointment of: Lead managers / bookrunners, Legal advisors (international &amp; local counsel) and Other transaction parties (trustees, paying agents). Ensure companies structure and manage the syndicate group to ensure: strong distribution capability, geographic diversification and competitive tension among banks. Ensure and oversee that companies negotiate commercial terms, fees, and roles with participating institutions; and negotiate on behalf of the companies where necessary.
 </li>
 <li>
 Oversee and ensure the review of all transaction documentation, including: offering circular/prospectus, legal agreements and term sheets and shariah compliance documentation by OIA Legal department. Ensure compliance with: International capital market regulations (e.g., Reg S / 144A) and Listing requirements (e.g., London Stock Exchange, Irish Stock Exchange). Coordinate internal approvals and sign-offs prior to execution of documents.
 </li>
 <li>
 Oversee the transaction launch and execution process, including: announcement strategy and investor communication, pricing guidance and book opening. Monitor real-time orderbook development: investor demand by geography and type and order quality and size. Provide strategic direction on: pricing revisions (tightening/spread adjustments) and allocation strategy. Drive pricing discussions in coordination with the OIA company and DMO with bookrunners to achieve optimal pricing outcome.
 </li>
 <li>
 Lead the development and execution of investment financing strategies across the organization, ensuring optimal capital structuring to support private equity investments, strategic projects, and key national initiatives, including those under the Future Fund of Oman. Provide strategic direction on funding approaches by evaluating leverage capacity, cost of capital, and risk-return trade-offs to enhance long-term value creation.
 </li>
 <li>
 Oversee the assessment of financing risks and funding structures for new and existing investments, ensuring alignment with the organization&rsquo;s capital structure objectives and financial sustainability targets. Act as a key advisor to senior leadership and investment committees, delivering insights that inform investment decisions and portfolio optimization. Drive cross-functional collaboration with investment, legal, and risk teams to design and implement innovative financing solutions, including acquisition financing, shareholder funding frameworks, and post-investment capital restructuring. Ensure consistent application of best practices across the portfolio while strengthening governance, efficiency, and scalability of funding strategies.
 </li>
 <li>
 Champion the continuous enhancement of financing capabilities, market intelligence, and stakeholder engagement with financial institutions to secure competitive and sustainable funding solutions
 </li>
 <li>
 Identify and mitigate transaction risks, including: market volatility, weak demand or book concentration, pricing misalignment. Develop contingency plans (e.g., postponement, resizing, restructuring). Ensure alignment with Treasury and Cash Management on risk parameters and limits.
 </li>
 <li>
 Monitor global financial markets, interest rates, and macroeconomic trends. Provide market insights to support risk management and strategy formulation. Advise senior leadership and Treasury and cash management on funding risks and market opportunities.
 </li>
 <li>
 Work closely with: treasury and cash management on risk analysis, portfolio strategy, settlement, reporting, and debt recording. EDI asset managers to ensure funding activity is in line with OIA objectives and board approval.
 </li>
 <li>
 Manage the development, communication and implementation of the Debt Management department&rsquo;s policies and procedures to ensure that all relevant procedural and legislative requirements are clearly communicated and duly fulfilled.
 </li>
 <li>
 Maintain and develop strategic relationships with banks and financial institutions to ensure continued access to competitive banking services and products. Maintain awareness of market conditions and lender appetite to support financing discussions and funding initiatives.
 </li>
 <li>
 Manage the Treasury Management departmental compliance to all relevant health, safety, and quality requirements, in order to guarantee employee safety and legislative compliance.
 </li>
 <li>
 Manage the Contribution to the identification of opportunities for continuous improvement of systems, processes and practices taking into account &lsquo;leading best practices&rsquo;, improvement of business processes, cost reduction and productivity improvement.
 </li>
 </ul>
 
 
 
 
 
 Educational Qualifications
 
 
 <ul>
 <li>
 Bachelors, preferably Master&rsquo;s Degree in Finance, Economics, Accounting, or any other relevant field
 </li>
 <li>
 CFA, CMA, CTP, CFP, CPA or ACCA
 </li>
 </ul>
 
 
 
 
 
 Work Experience
 
 
 
 11 to 13 years of debt related work experience
 
</div>

Manager – Debt Management

Tower Loan

<div>We take pride in what we do! Deciding to come grow with us is an exciting opportunity to enhance your career success stories. You are the center to what we do. We would love to have you here!
Manager Trainee
At Tower Loan, we&rsquo;re committed to developing future leaders! Our full-time Manager Development Program is designed to provide our Manager Trainees with the knowledge, skills, and experience needed to thrive in consumer finance and grow into leadership roles. In just 10-12 months, you&rsquo;ll gain hands-on experience in customer service, sales, financial management, and branch operations, all while earning competitive pay and performance-based incentives.
If you're looking for a company that values your growth and offers a clear path to leadership, Tower Loan is the place for you!
In the Role<ul><li>
Become proficient in customer service, sales, marketing, finance, and operations.</li><li>
Develop long-term customer relationships by listening to customer needs and recommending the best service.</li><li>
Offer optional products to serve new and existing customers best.</li><li>
Contact customers regarding payment reminders and arrangements.</li><li>
Assist Manager in exceeding established office goals.</li><li>
Learn and provide support in management responsibility duties such as delegating employee workload and analyzing loan documents.</li><li>
Develop and demonstrate developing skills in all management aspects, including recruitment, staff development, performance management, and leadership.</li><li>
Perform all other duties as assigned.</li></ul>
Required<ul><li>
High School Diploma or GED</li><li>
Willingness to relocate upon promotion into management</li><li>
Must have a valid driver&rsquo;s license and reliable vehicle</li></ul>
Preferred<ul><li>
Sales, Collections, or Customer Service experience</li></ul>
Location: On-Site
The schedule for this position is Monday through Friday from 8:30 AM to 5:30 PM, with some extended hours during the week as needed, which may include Saturday.
Who We Are
Tower Loan provides you with the opportunity to earn a competitive salary plus performance-based incentives. You can take charge of your future by advancing into leadership roles. With our comprehensive training programs, strong promote-from-within culture, and continuous growth opportunities, your career path is in your hands. Plus, we have a chance every day to make a real impact on the lives of our customers!
Other team member benefits include:<ul><li>
Health and Well-Being Options, including Medical, Dental, Vision, Employee Assistance Program, and Life Insurance</li><li>
Up to 3% 401(k) Match</li><li>
Paid Time Off (16 days per year after one full year, cash back for unused time)</li><li>
Paid Holidays</li><li>
Annual Raises and Performance Bonuses</li><li>
Monthly Incentive and Employee Referral Bonuses</li><li>
Participation in Charitable Campaigns</li></ul>
Tower Loan has been a trusted name in consumer finance for over 80 years. We provide individuals with responsible access to credit to help them achieve their financial goals. We take pride in offering personal loans, home equity loans, and retail financing, helping our customers consolidate debt, cover unexpected expenses, and invest in their futures.
With almost 260 office locations across six states, our dedicated team members build customer relationships and provide personalized financial solutions in person, by phone, and online. We are committed to serving our communities, fostering a culture of growth and development, and creating career opportunities through our strong promote-from-within philosophy.
At Tower Loan, we believe in empowering our customers and employees to help people build brighter futures, which has been at the heart of what we do for decades. Now is the perfect time to grow with us!</div>

Manager Trainee

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