Northwest Credit Union Association
Lending & Accts Control Manager
Northwest Credit Union Association, Arlington, Washington, United States, 98223
Position Title:
Lending & Accounts Control ManagerReports To:
Director of Lending & Accounts ControlDepartment:
Lending & Accounts ControlFLSA Status:
Full-time, NonexemptLocation:
Everett, WA / Arlington, WASummary of the Position:The primary role of the Lending & Accounts Control Manager is to work with the Director of Lending & Accounts Control in the planning, management, and overall performance of the Lending & Accounts Control Departments. This role will act as the backup to the Director in their absence, ensuring the departments run smoothly. Oversight includes all lending products such as consumer lending, real estate, mortgage lending, and our VISA credit card portfolio. This position is instrumental in driving the credit union’s profitability, protecting against risk, and providing exceptional member service.Essential Duties and Responsibilities:Maintain knowledge and compliance of lending and accounts control practices and regulations.Manage and supervise the lending and accounts control employees as well as the outsourced collection agency.Identify opportunities to cross-sell new or additional products and services to members and ensure staff are adequately trained in cross-selling.Use critical thinking skills to analyze a member’s financial condition to assess risk and repayment ability.Responsible for underwriting quality and approving loan underwriting exceptions.Communicate and negotiate with dealers regarding indirect loan approvals or denials.Ensure loan decisions comply with all applicable Federal, State, and lending regulations, policies, and procedures.Work with members to provide resolution of delinquent accounts.Review and manage accounts involved in legal proceedings, repossession, and bankruptcy.Regularly audit delinquent accounts to ensure appropriate collection efforts have been taken.Handle escalated member calls and disputes.Implement workflow improvements for responsive and efficient service.Ensure adherence to appropriate policies and procedures in lending and accounts control.Maintain ongoing communication with the Director by providing regular input and suggestions.Actively listen and respond to member and employee requests, concerns, and suggestions.Maintain confidentiality and security of member information.Assume responsibility for related duties as required or assigned.Skills and Abilities:Strong leadership and problem-solving skills.Ability to work effectively in stressful situations.Strong organizational skills and ability to multi-task.Excellent written and verbal communication skills.Able to critically think to resolve complex issues with minimal direction.Exceptional member service skills.Able to work and train in other branch locations as necessary.Requirements for the Position:Product Knowledge:
Knowledgeable of credit union policies and procedures, prior knowledge of regulatory requirements, and comprehensive understanding of consumer and mortgage loan products and services. Proficient in Microsoft Word, Excel, Outlook, and credit union-specific software.Experience:
Minimum 3 – 5 years of management/leadership experience in lending and collections.Education:
Bachelor’s degree in business, finance, or related field or equivalent combination of education and experience.Work Environment:
Operates in a professional office environment, requires travel among branches, and physical mobility to sit or stand for long periods and lift up to 30lbs.Compensation and Benefits:MountainCrest Credit Union offers a comprehensive benefits package including medical, dental, vision insurance, life insurance, long-term disability, EAP, FSA, voluntary benefits, 401(k) with company match, PTO, extended sick leave, 11 paid holidays, birthday and CU anniversary days off, wellness benefits, loan discounts, and more! Salary range: $55,307 – $82,971 annually.MountainCrest Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.
#J-18808-Ljbffr
Lending & Accounts Control ManagerReports To:
Director of Lending & Accounts ControlDepartment:
Lending & Accounts ControlFLSA Status:
Full-time, NonexemptLocation:
Everett, WA / Arlington, WASummary of the Position:The primary role of the Lending & Accounts Control Manager is to work with the Director of Lending & Accounts Control in the planning, management, and overall performance of the Lending & Accounts Control Departments. This role will act as the backup to the Director in their absence, ensuring the departments run smoothly. Oversight includes all lending products such as consumer lending, real estate, mortgage lending, and our VISA credit card portfolio. This position is instrumental in driving the credit union’s profitability, protecting against risk, and providing exceptional member service.Essential Duties and Responsibilities:Maintain knowledge and compliance of lending and accounts control practices and regulations.Manage and supervise the lending and accounts control employees as well as the outsourced collection agency.Identify opportunities to cross-sell new or additional products and services to members and ensure staff are adequately trained in cross-selling.Use critical thinking skills to analyze a member’s financial condition to assess risk and repayment ability.Responsible for underwriting quality and approving loan underwriting exceptions.Communicate and negotiate with dealers regarding indirect loan approvals or denials.Ensure loan decisions comply with all applicable Federal, State, and lending regulations, policies, and procedures.Work with members to provide resolution of delinquent accounts.Review and manage accounts involved in legal proceedings, repossession, and bankruptcy.Regularly audit delinquent accounts to ensure appropriate collection efforts have been taken.Handle escalated member calls and disputes.Implement workflow improvements for responsive and efficient service.Ensure adherence to appropriate policies and procedures in lending and accounts control.Maintain ongoing communication with the Director by providing regular input and suggestions.Actively listen and respond to member and employee requests, concerns, and suggestions.Maintain confidentiality and security of member information.Assume responsibility for related duties as required or assigned.Skills and Abilities:Strong leadership and problem-solving skills.Ability to work effectively in stressful situations.Strong organizational skills and ability to multi-task.Excellent written and verbal communication skills.Able to critically think to resolve complex issues with minimal direction.Exceptional member service skills.Able to work and train in other branch locations as necessary.Requirements for the Position:Product Knowledge:
Knowledgeable of credit union policies and procedures, prior knowledge of regulatory requirements, and comprehensive understanding of consumer and mortgage loan products and services. Proficient in Microsoft Word, Excel, Outlook, and credit union-specific software.Experience:
Minimum 3 – 5 years of management/leadership experience in lending and collections.Education:
Bachelor’s degree in business, finance, or related field or equivalent combination of education and experience.Work Environment:
Operates in a professional office environment, requires travel among branches, and physical mobility to sit or stand for long periods and lift up to 30lbs.Compensation and Benefits:MountainCrest Credit Union offers a comprehensive benefits package including medical, dental, vision insurance, life insurance, long-term disability, EAP, FSA, voluntary benefits, 401(k) with company match, PTO, extended sick leave, 11 paid holidays, birthday and CU anniversary days off, wellness benefits, loan discounts, and more! Salary range: $55,307 – $82,971 annually.MountainCrest Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.
#J-18808-Ljbffr