Retail Lending Sales Manager

Job Description

Job Description

Lead a Team of Consumer Loan Reps and Mortgage Loan Originators! Seeking 4+ years' experience ensuring the application and origination activities associated with consumer loans and consumer real estate products, including first mortgages and HELOCs, are performed with excellence!

Title: Retail Lending Sales Manager

Position Status – Full-time Exempt

Reports To: VP of Consumer Lending

Pay information: $61,800 base + commission pay structure

We believe great work is to be rewarded with great benefits. Our benefits include, but aren’t limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays.

Purpose : The primary purpose of this position is to assist Atlanta Postal Credit Union (APCU) to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.”

The Retail Lending Sales Manager is responsible for the guidance, leadership, oversight, and operational aspects of consumer loans and consumer real estate products, including first mortgages and HELOCs. This role is responsible for ensuring that all application and origination activities are timely, accurate, and compliant with regulatory requirements and internal credit union policies

Essential Duties and Responsibilities: Other duties may be assigned.

1. Adhere to and deliver on APCU Center Parc’s core values:
   1. Serve Exceptionally
   2. Commit to Better
   3. Find the Fun
   4. Invest in Integrity
   5. Follow the Numbers
   6. Go Forth and Conquer
   7. Protect with Passion

2. Lead, mentor, and manage a team of Consumer Lending Representatives and Mortgage Loan Originators fostering a culture of excellence, outstanding member service, and continuous improvement.
3. Put measures in place to monitor the origination and follow up activities of the Consumer Lending Representatives and Mortgage Loan Originators, including the quality of their interactions with members and internal business partners.
4. Maintain a standard of excellence for the presentation of ancillary products and services, ensuring that proper consultative conversations are taking place with members, proper disclosures are presented to members, and members are fully aware and voluntarily decide whether pro or con, regarding their purchase of products and services.
5. Exercises personnel authority, including hiring and interviewing, completion of performance appraisals, and establishing business and learning objectives for each individual supervised.
6. Ensures satisfactory and timely resolution of member complaints, inquiries, disputes, and problems; Sets a standard for prompt action on the part of all supervised parties having impact on the member service experience.
7. Oversee the presentation and sale of Home Equity Lines of Credit (HELOCs) by licensed Consumer Lending Representatives and Mortgage Loan Originators.
8. Collaborates with the VP of Consumer Lending to align sales strategies with company goals, objectives, and member service standards and to identify opportunities for improvement in processes, procedures, software, and applications.
9. Maintains awareness of competitive trends, market trends, and rate trends that impact consumer lending activities.

1. Maintains up to date knowledge of the products and services offered by the credit union.
2. Accepts responsibility for keeping staff informed of operational, transactional, or procedural changes and the timely implementation of said changes into the operational processes and procedures for the department.
3. Works with a sense of urgency and advocates for swift resolutions to internal and external inquiries or complaints.
4. Effectively uses written and oral communication skills in daily correspondence and completion of tasks.
5. Maintains credibility and positive working relationships across all levels of employees, managers, and executives within the organization
6. Adhere to the provisions of the Fair Credit Reporting Act (FCRA), Military Lending Act (MLA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Housing Act (FHA), the Universal Code (UCC), Regulation Z, Home Mortgage Disclosure Act (HMDA),RESPA, and any other state or federal regulation associated with the granting of credit that are applicable to this position.
7. Comply with all aspects of BSA/AML, OFAC, and Basel III regulations as they relate to this position.
8. Attend ongoing training as needed to maintain a prominent level of knowledge related to the position.
9. Occasional travel up to 10%; Occasional night or weekend work hours.
10. Other duties as assigned

Supervisory Responsibilities: Supervises a team of 6-10 Consumer Lending Representatives or Mortgage Loan Originators. May be required to achieve established objectives and results through communications with internal and external stakeholders, other managers, and members.

Qualification Requirements : To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

REQUIRED Education and/or Experience:

• An associate’s degree in business, finance, economics, or related field. Two years of additional specific work experience in lieu of degree
• 4 years of specific work experience in a lending role, with a minimum of two having been in a supervisory capacity
• Strong working knowledge of lending regulations, risk management, and industry best practices

PREFFERED Education and/or Experience:

• A bachelor’s degree in business, finance, economics, or related field
• 4 years of specific lending supervisory work experience within a Credit Union either in consumer lending or retail real estate lending
• Relevant certifications

Physical Job Requirements:

Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 20 pounds.

Center Parc Credit Union is an equal opportunity employer committed to providing equal opportunities to applicants and our policy is not to discriminate against any applicant or employee based on race, color, sex, religion, national origin, disability status or veteran status or any other basis protected by applicable federal, state, or local laws. Center Parc Credit Union prohibits harassment based on the same protected classes and criteria.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources.

Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.S.