Consumer Credit Manager supervises underwriting operations and oversees the loan application review process to determine loan eligibility and terms. Coordinates the day-to-day activities of the underwriting team to ensure that loan screening is conducted timely, accurately, and in compliance with all regulations. Being a Consumer Credit Manager provides loan options or product recommendations based on qualifications and keeps the team updated and informed of new products, regulations, or product changes. Assists customers through the loan process by researching and answering complex or unique customer inquiries, clarifying details, and coordinating with internal parties. Additionally, Consumer Credit Manager requires a bachelor's degree. Typically reports to a manager. The Consumer Credit Manager manages subordinate staff in the day-to-day performance of their jobs. True first level manager. Ensures that project/department milestones/goals are met and adhering to approved budgets. Has full authority for personnel actions. To be a Consumer Credit Manager typically requires 5 years experience in the related area as an individual contributor. 1 - 3 years supervisory experience may be required. Extensive knowledge of the function and department processes. (Copyright 2024 Salary.com)
Who We Are
We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, "We Improve Lives." This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members.
At BHFCU, we’re committed to improving the lives of our members every day, and we look for people who share that passion. Don’t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.
General Purpose: The Lending Asset Manager plays a pivotal role in overseeing the health and performance of the lending portfolio. This multifaceted position involves managing loan workouts, restructuring, and modifications, as well as providing critical insights into loan profitability and pricing. The successful candidate will collaborate with cross-functional teams to optimize the overall yield of the loan portfolio.
Essential Duties/Responsibilities
Other Duties/Responsibilities
Job Knowledge
Job Qualifications (Skills)
Black Hills FCU is committed to working with its employees to reasonably accommodate them with the physical aspects of the position. The following list outlines the physical considerations that are normally encountered in this job.
Job Qualifications (Ability)
Job Qualifications (Education/Experience)
Job requires a four-year college level of language, math, and reasoning. Minimum of 5 years of experience in loan portfolio management, credit risk, or related roles required. Master’s degree in finance, economics, or related field preferred.
Working Conditions
Work Environment/Physical Activities
Occasional travel to one of BHFCU’s branch locations or attendance at community events may be required.
Job requires limited physical effort. It is primarily a desk assignment. Ability to function in a fast-paced area. Ability to handle multiple tasks simultaneously. Ability to set and manage deadlines independently. Work creates normal fatigue daily. Work creates moderate stress during certain periods during daily routine. The job calls for a high degree of mental concentration to interpret and act upon a wide range of situations. The job requires a degree of attention to detail.
Notice: This job description is not intended to be, nor should it be construed as, a contract or guarantee for employment. BHFCU adheres to all federal and state labor laws regarding termination and probationary periods. This position is also subject to all the personnel policies of the Black Hills Federal Credit Union. Changes may be made to this job description at any time by the President. Black Hills Federal Credit Union is an equal opportunity employer.
Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.
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