RadiFi Credit Union is seeking an experienced Director of Lending to be responsible for daily oversight and operational management of the credit union's consumer lending, underwriting, and credit card operations. This role ensures sound underwriting practices, regulatory compliance, service excellence, and overall portfolio performance. The Director leads a team of lending professionals, fosters a high-performance culture, and drives lending strategies that align with the credit union's mission and financial objectives. This role includes partnering with branches, dealerships, and lending associates to ensure loans are decisioned in a timely manner. Maintains efficient consumer, underwriting, and credit card procedures for the department and branches. Major Duties and Responsibilities Develop and execute lending strategies across consumer loans, underwriting, and credit card offerings. Directs and monitors centralized lending for the credit union, through direct reports to ensure that the credit union meets established goals and objectives with respect to lending operations. Oversee day-to-day operations for consumer lending (auto, personal, unsecured) and credit card programs. Ensure efficiency and consistency in underwriting, processing, funding, servicing, and member communication across all loan types. Drive continuous process improvement to enhance speed, accuracy, and the member experience. Provides current product knowledge and training to staff on an on-going basis in the areas of consumer lending; participates in creating or recommending loan campaigns, contests and promotions to generate growth in the indirect and merchant lending portfolios. Manages the credit bureau dispute process, including preparing procedures and form letters and training staff members as needed for direct disputes to RadiFi and disputes made to the credit bureaus through E-Oscar. Manage the full lifecycle of the credit union’s credit card program, including issuance, limit management, promotions, and servicing. Collaborate with marketing on member engagement strategies, balance transfer campaigns, and rewards programs. Develops underwriting policies and department procedures to ensure efficient and accuracy of loan approval and processing; develops required reports to track the growth, quality, and efficiency of consumer and credit card operations. Recruits, motivates, trains, and develops a lending staff committed to the service and productivity standards of the credit union. Keeps abreast of competition and industry-related trends, making appropriate recommendations as needed. Oversee the Quality assurance program ensuring timely reports are provided and feedback given. Develops/prepares/reviews dealer reports to determine whether dealer performance meets credit union credit standards. Performs other job-related duties as assigned. Knowledge and Skills Must possess five to eight years of experience within a credit union or financial institution, including a minimum of three to five years in a managerial or supervisory role overseeing a lending/underwriting team within a credit union or financial institution. Prior experience with managing credit card operations is preferred. Education/Certifications/Licenses: A bachelor's degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree, or substantial job-specific skills gained through relevant work experience. Degree preferred in business, finance, accounting, or a related field. Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Other Skills: Knowledge of Consumer Lending policies, procedures, products, and services. Demonstrated proficiency in Microsoft Office. Experience with Symitar and/or Lending 360 a plus. Project management and Implementation skills. Self-starter with the ability to plan and prioritize workload for self and others. Excellent interpersonal communications skills. Leadership skills to motivate team members to reach and surpass department goals related to production and quality control. ADA Requirements Physical Requirements: Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 30 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Working Conditions The noise level in the work environment is usually moderate. Acknowledgment We are an Equal Opportunity Employer and do not discriminate against employees or applicants based on race color, religion, sex/gender, national origin, disability, age, or any other category protected by law.

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