You Belong Here

People’s Credit Union is built on the belief that members and employees should feel a sense of belonging. Based on our Core Values, we created that feeling by design to offer you a genuine sense of community where you are supported personally and professionally.

If you work here, you belong here.

Your Values Align With Ours

We hire employees whose core values match our own. We can train for competency, but if you’re also genuine, trustworthy, earnest, empathetic, and resourceful, we want you on our team.

Your Voice Is Heard

Here, hierarchy doesn’t drive impact - all voices are sought out, heard, and respected. We are listeners, then doers.

Your Team Makes You Stronger

Independent work is expected, but collaboration with compassionate accountability makes us all stronger. Working together, we all learn and grow.

Your Future Is Bright

We recognize that careers are not always straight lines. Professional development is a shared responsibility. We are committed to providing opportunities and resources to help you navigate your career paths and achieve your goals. Let's work together to foster growth and development in our organization.

What we offer

• Health and dental benefits through Blue Cross Blue Shield, plus vision benefits through VSP

• 401(k) and Roth plan with a competitive employer match

• Robust Wellness Program

• Employee Recognition Program

• Fun, food, and events

Position Summary

This position provides an extraordinary member experience by directing and coordinating activities for the indirect and direct Consumer Lending programs to include loan underwriting, funding, and quality control, auto and boat dealer relationship management, retail branch and member interaction, reporting, contract review, and compliance. Works with Head of Lending and senior management to develop and implement department goals. Manages a staff of seven and works closely with related departments – i.e. Loan Servicing, Retail Branch Network, Finance, Collections, and Risk/Compliance.

Essential Responsibilities and Accountabilities

Consumer Lending

• Works with Head of Lending to develop indirect and direct lending goals and related strategic initiatives.
• Ensures all consumer loans are underwritten and completed according to Credit Union policies, procedures, and applicable government regulations, while maximizing opportunities for profitable growth in line with the Credit Union’s goals and strategies.
• Directly supervises the Consumer Lending team, including skill development and performance management – dealer relationship officer/s, consumer loan lead, underwriters, and loan funders/processors.
• Works with branch staff to support consumer loan underwriting and decisioning, including training.
• Monitors market conditions and competitor rates to recommend appropriate changes.
• Maintains, increases, and shares knowledge of industry standards with employees and actively maintains ties with other industry professionals to stay attuned to the future needs of the Credit Union.

Staff Development

• Manages and supervises by motivating team members, serving as coach and mentor by providing training, support, and guidance to build long lasting relationships.
• Effectively maintains an engaged, positive, highly motivated, and well-trained staff.
• Ensures all staff have appropriate training and development plans.
• Communicates organizational updates and initiatives to staff in a timely and effective manner.
• Ensures staff perform all duties in line with policies and procedures, and state and federal regulations.

Compliance

• Establishes and manages related vendor relationships and acts as system administrator for assigned technologies, including completion of related due diligence and risk assessment activities as required.
• Maintains complete and current auto dealer and other merchant files as applicable.
• Provides reporting on origination, funding, and profitability of consumer lending programs.
• Actively participates in committees including Credit Committee.
• Works with Head of Lending to respond to internal lending audits and examinations. Adjusts procedures and makes recommendations for policy changes accordingly.

Key Behavioral Competencies

Initiative

Individuals effective at this competency are able to take effective action without being directed. When they see a need or are given a goal, they take full ownership and act on it without waiting for someone to tell them what to do or how. They seek out guidance when needed so they are able to achieve goals. They make things happen.

Problem Solving and Decision Making

Individuals effective at this competency exhibit good judgment and sound logic. They are able to identify the problem at its core, determine solutions, and make decisions. They are able to identify the core issues by gathering relevant information and including the appropriate individuals and sources to highlight the issue as well as outline solutions. They are committed to solving the issue by making a decision based on the information and taking action.

Organization Process Thinking

Individuals effective at this competency can see the organization as connected and integrated systems and processes. They understand the general concepts of the organization and the business that it operates. They create and align processes as the business and organization changes and understand how a change in one area is connected to other areas in the organization. They are effective at using the interdependencies to create synergy within the organization.

Influence

Individuals effective at this competency are able to read people and situations to skillfully direct, persuade, and motivate others. They customize their communication to the audience and create trust by transparency, honesty, and dealing with all situations with competence and a sense of fairness.

Talent Development

Individuals effective at this competency are continuously assessing talent and succession planning. They are able to identify strengths and weaknesses, assess potential, and clearly address individuals’ performance and potential with clear development goals, continuous coaching, identification of future roles, and delegation of appropriate development projects and assignments.

Knowledge and Skills

• Minimum of 5-7 years’ experience with indirect and direct consumer loan origination, underwriting and funding; at least 3 years in a team management role
• Self-motivated, self-starter
• Highly organized with strong ability to work independently
• Strong indirect auto loan / dealership finance knowledge
• Strong understanding of Lending regulations as they apply to Consumer Lending
• Strong problem solving and decision-making skills
• Strong attention to detail
• Ability to think strategically and tactically to generate growth and profitability
• Ability to lead staff development and strategic direction of the department
• Strong relationship building skills internally within and across departments, and externally with auto dealers and vendors
• Experience in Windows, Microsoft Office, and indirect lending systems such as DealerTrack, Route One, and Lending operating systems are preferred
• Experience with COCC Insight and Meridian Link preferred

ADA Requirements

Physical Requirements

• Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 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.
• Must be able to routinely perform work on computer for an average of 6-8 hours per day.
• Must be able to work additional hours whenever required or requested by management.
• Must be capable of regular, reliable, and timely attendance.
• Must have reliable transportation and be able to drive 6-8 hours per month for dealership and branch visits as needed.

Working Conditions

• Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.