Supervisor Consumer Loan Processing

Job Description

JOB INFORMATION

Title:

Supervisor Consumer Loan Processing

Officer Title:

Grade:

25

FLSA Classification:

Exempt

Date Last Edited:

5/24/2023

Reports To:

Manager Consumer Loan Servicing Processing

Department:

Consumer Lending Operations

URL Link

https://hvfcu.jdxpert.com/ShowJob.aspx?EntityID=2&jobcode=620

PRIMARY FUNCTION

Supervise the daily operations and staff related to the processing and funding of indirect and direct consumer loans. Coordinate the workflow for assigned personnel, set deadlines, ensure procedures are compliant and followed and reviews the area processes and procedures for continuous improvement. Maintain the success of HVCU's Indirect Lending Program by working together with Consumer Lending Management and dealerships.

•

Supervise the daily functions and staff responsible for processing and funding indirect and direct consumer loans and ensure timely turnaround on funding of loans and leases to maximize member and dealer experience. Respond to internal/external customers regarding complaints, problems, lending policy clarification and procedural issues.

•

Provide supervision, coaching, training, development, and performance evaluations of staff. Handle all human resource needs of department’s employees. Measure and coach staff in regards to productivity, quality, goals, and adherence to compliance. Conduct regular department meetings, one on one meetings and training sessions.  Ensure team possesses a high level of individual accountability for delivering results within attainable deadlines and industry and regulatory standards. Interview and hire new staff as needed.

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Monitor dealer contract volume, in addition to Direct volume to ensure adequate staffing.  Communicate issues/needs to manager as necessary.

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Maintain general knowledge of regulations governing consumer lending such as Truth in Lending.

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Initiate and implement process and product improvements to enhance member experience, increase department efficiencies and increase loan growth.

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Perform reconciliation of all Consumer Lending General Ledgers and ensure all items are cleared within 30 days.

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Fund employee loans within authority.

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Cover for Consumer Loan Servicing and Consumer Loan Underwriting Supervisors in their absence.

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Work with Indirect Lenders to ensure satisfaction of the Indirect Lending Program, prepare dealer reserve reports on a daily/monthly basis.  Handle dealer complaints and take appropriate action to resolve them.

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Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.

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Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.

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Responsible for regular and predictable attendance including punctuality.

High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate; or a current high school senior in possession of a certificate of satisfactory academic standing.  

X

Associate’s Degree

X

Minimum 2 Years

Consumer, direct and indirect, and/or residential mortgage processing

X

Supervisor experience, preferably in lending environment

X

•

Ability to effectively supervise staff and projects.

•

Ability to read, understand and interpret documents, procedures and policies.

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Ability to understand and accurately apply intermediate mathematical concepts.

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Intermediate verbal, written and presentation skills.

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Intermediate proficiency in Microsoft Office Software (Word, Excel, Outlook, PowerPoint, etc.)

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Ability to apply common sense understanding to carry out written or oral instructions.

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Ability to work independently.

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Ability to work well collectively and autonomously.

PHYSICAL DEMANDS

Frequency

Physical Demand

Weight (lbs.)

Frequently

Sit for prolonged periods of time

Frequently

Required to communicate verbally

Frequently

Normal range of vision and hearing abilities required

Occasionally

Lift and/or move objects

10

Occasionally

Travel outside of work location to attend meetings and training programs

Frequently

Required to skillfully operate a computer, telephone and other standard office equipment

WORK ENVIRONMENT

•

Typically the noise level in the work environment is low to moderate.

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May experience occasional job stress in response to job demands.

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High energy, high impact atmosphere.

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There are no significant hazardous conditions.

View Competencies

OPERATIONS - BACK OFFICE

Knowledge of and ability to implement the practices, processes, technologies, and applications associated with banking transaction processing and records management.

Level 3

1. Works with multiple 'back office' operations functions.

2. Evaluates major production systems and their criticalities.

3. Facilitates planned changes and their impact on the operations environment.

4. Communicates with key clients on operation-related issues.

5. Manages production transitions with minimal disruption.

6. Consults on key aspects of effective and efficient department operations.

Leadership

Leads people towards meeting the organization’s vision, mission, and goals. Provides an inclusive workplace that fosters diversity, development, teamwork and continuous improvement.

Level 1

1. Coaches others regarding professional commitment and assumption of accountability.

2. Demonstrates active listening. Supports constructive resolution of conflicts in a timely manner. 

3. Documents knowledge that can be transferred to other groups. Shares information to gain commitment and understanding in achieving objectives.

4. Promotes collaboration and champions behaviors that inspire cohesiveness and move the organization to reach a vision.

5. Reinforces positive contributions and recommend adjustments for improving outcomes.

Service Excellence

Consistently incorporates Hudson Valley's member and employee value proposition, reinforcing organizational culture and brand differentiators.

Level 2

1. Creates a positive team environment by celebrating successes and driving excellence.

2. Dedicates required time and energy to assignments or tasks to ensure that no aspect of the work is neglected; works to overcome obstacles to completing tasks or assignments.

3. Effectively communicates the connection between culture and the business strategy.

4. Implements effective strategies and activities that promote long term customer loyalty.

5. Inspires and strives for excellence in all aspects of work including setting high performance goals for oneself and others.

Results Driven

Drives critical activities to completion. Meets organizational goals and customer expectations.

Level 1

1. Clearly communicates expectations and what results look like. Uses ongoing communication and feedback to promote team motivation to achieve objectives.

2. Complies with specific policies or practices based on laws or regulations governing these practices.

3. Effectively navigates and utilizes formal and informal communication and decision-making channels.

4. Gives honest, timely feedback, including difficult discussions about taking ownership for one's decisions, actions and results.

5. Identifies barriers to goal achievement and provides necessary tools, resources, and development to overcome obstacles.

Resiliency

Adapts positively to changing environments in order to achieve business results.

Level 1

1. Celebrates incremental success in creating change and assists others in seeing the role they can play in transforming the organization.

2. Leverages intellectual curiosity to remain current and prepare for potential change.

3. Open to change and new information; rapidly adapts to new information, changing conditions, or unexpected obstacles.

4. Perceives, assesses and helps manage the emotions of self and others while simultaneously exhibiting drive and commitment to results.

5. Recovers quickly from setbacks and maintains composure under stress.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee in this position.  Additional functions and requirements may be assigned by supervisors as deemed appropriate, with or without notice.

Nothing contained in this material creates a contract of employment between an employee and Hudson Valley Federal Credit Union or otherwise alters the at-will nature of the employment relationship.

Are you able to perform the essential functions listed in this job description with or without reasonable accommodation?  YES_______  NO_______

By signing below you certify that you have received this job description and understand the requirements, essential functions and duties of the position.  If you are currently employed in this position, your signature acknowledge that this job description accurately describes the position, including its essential functions.

Name:  _____________________________________________

Signature: _____________________________________________

Date:  _____________________________________________ 

Please also note that Hudson Valley Federal Credit Union respects the religious beliefs and practices of employees and will, on request, reasonably accommodate its employees when a reasonable accommodation is available that does not create an undue hardship on the Credit Union’s business.  Therefore, unavailability for work due to religious observances or practices may not be a bar to employment.