Loan Center Manager

At Raiz FCU, we share a passion for knowledge and a pursuit of growth. Grounded in our El Paso heritage as previously Teachers Federal Credit Union, since 1936 we are growing to help our community move into the future. We are inspired people, invested in you. At Raiz, we guide our members to focus on what could be and help them get there.

This new path inspires us to look ahead and the lead the way with passion. We can’t wait for you to join us.

Responsible for driving double‑digit loan portfolio expansion across consumer lending solutions, while maintaining exceptional credit quality and member/customer service. This leader develops and executes a comprehensive lending strategy that integrates loan acquisition, cross‑sell from deposit relationships, strategic partnerships to increase market share, and loan application volume. The role works in close partnership with community impact, financial centers, deposits, and service operations to create a fully integrated financial relationship model where every member becomes a loan opportunity.

Key outcomes include year‑over‑year growth in loan originations, improved loan‑to‑share ratios, reduced application‑to‑funding cycle times, and enhanced member experience scores, all while adhering to NCUA Regulations, Fair Lending, and risk management standards. This leader embodies a growth mindset, shifts fixed lending cultures toward proactive sales and service excellence, and leverages data (including Call Report loan schedules) to identify opportunities for yield optimization and portfolio diversification.

Your primary focus will be on upholding compliance with lending policies, procedures, and regulations, all while providing leadership to the team. This position reports to the Vice President of Consumer Lending.

You will be an empowering mentor that will be:

• A champion for our members and the community
• A guide through the moments that matter the most to our members

The Loan Center Manager is responsible and accountable for planning, organizing, and directing the consumer loan and credit card portfolio including monitoring the portfolio, risk, and forecasting. The work in this position requires demonstrating a continuous effort to improve operations, decrease turnaround times, streamline work processes, and work cooperatively to provide first‑class, frictionless member services. Directs and coordinates the activities of employees engaged in consumer lending, loan processing, loan servicing, and member insurance functions to ensure optimal performance.

Ensures that consumer lending activities result in maximum healthy volume, appropriate profit for the Credit Union, and a minimal delinquency/charge‑off ratio. Creates an environment focused on a digital strategy and on finding more efficient ways for members and partners to interact with the credit union. Focuses on optimizing loan process workflows and underwriting methodologies to improve efficiency. Analyzes and develops consumer loan products, services, and delivery methods to meet and maximize the member experience.

Cross‑Departmental

Collaboration:

Liaison with internal business units to resolve complex loan issues, perform lien perfection, and support new loan product development. Monitors market trends and competitive interest rates to ensure our products remain a top choice for members. Completes required reports and related documents promptly and accurately, and in compliance with Credit Union guidelines and policies. Provides leadership to assigned personnel by setting clear objectives, delegating, and communicating effectively.

Ensures that personnel are well‑trained, effective, and optimally used. Takes charge of situations to resolve them in a timely and effective manner.

• Monday through Friday, and some Saturdays
• Other duties assigned
• Responsible for analyzing and preparing required reports accurately and timely for monthly board meeting and management review.
• Conducts regular risk assessments and maintains quality controls to minimize delinquency and charge‑off ratios.
• Upholds high ethical standards in sales practices and…