Lending Supervisor

Job Description

Job Description

Responsible for overseeing and administering the day-to-day lending operations of the Credit Union. Ensures members receive prompt, professional service while training, directing, and supervising lending department staff to maintain efficiency, compliance, and service excellence.

• Oversee the effective and efficient performance of the Lending Department.
• Supervise staff schedules and workflow; approve all Personal Time Off for lending staff.
• Conduct annual performance evaluations for direct reports and provide quarterly follow-ups on goals and progress.
• Recommend, document, and implement corrective or improvement actions when necessary.

• Ensure lending practices comply with Credit Union policies, procedures, and applicable regulations.
• Review, update, and maintain lending policies and procedures for accuracy, compliance, and operational effectiveness.
• Periodically audit loan files, documentation, titles, drafts, notices, and maintenance histories for accuracy and completeness.
• Ensure loan records are properly maintained, organized, and readily accessible in accordance with internal standards and regulatory requirements.

• Receive, review, and process loan applications and documentation.
• Analyze credit reports and supporting documentation to approve, deny, or negotiate loan requests within established guidelines.

• Provide ongoing training and guidance to lending and collections staff.
• Ensure staff effectively cross-sell loan products and ancillary services, including Credit Life/Disability, GAP, MRC, Dent Guard, Collateral Protection Insurance, and EZ Car Finder.

• Prepare and manage monthly, quarterly, and annual lending reports.
• Oversee retention efforts within the Lending Department.
• Coordinate and complete annual 1099-C reporting.
• Assist with collection efforts and provide recommendations on late-stage delinquency actions, including charge-offs, repossessions, and CPI coverage.
• Develop and recommend strategies to expand lending programs, including consumer loans, credit cards, and mortgages.
• Coordinate lending-related marketing and promotional activities.
• Keep management informed of lending performance, progress toward goals, and any significant issues or risks.

• Uphold and project the Credit Union’s commitment to quality, professionalism, and member service.
• Continuously identify opportunities to improve lending operations, efficiency, and productivity.
• Ensure prudent safety practices are followed at all times.
• Perform other duties as assigned.

Reports directly to the Branch Manager.

• Minimum of five (5) years of lending experience or a bachelor’s degree in a business-related field.
• Strong command of the English language, both written and verbal.
• Thorough understanding of Credit Union loan products, policies, and procedures.
• Working knowledge of applicable lending laws and regulations.