Consumer Credit Manager jobs in Santa Rosa, CA

Redwood Credit Union is a not-for-profit financial institution that believes in people over profits. Our mission is to passionately serve the best interests of our Members, team members, and communities. Sticking to that vision has made us one of the most loved financial partners in the many communities we serve. In fact, RCU is the 8th largest credit union in California—and growing. Due to this growth, we recently completed construction on our new, 8-acre campus in Napa and are ready to welcome more than 500 valued team members!

Since 1950, Redwood Credit Union has been helping people reach their financial goals and dreams with a focus on helping others. That people-first approach holds true for our employees, too. Our work environment is built on service and trust. It's all possible with a leadership team committed to hiring talented people and helping them develop their careers.

If this sounds like a place you’d like to be, we’re eager to meet you!

Redwood Credit Union is looking for a Consumer Lending Manager who will be responsible for leading personnel in developing, implementing, and maintaining effective daily operations of the credit union, as well as leads in recommending future development of programs/procedures to assure that loan growth and quality objectives are met.

Essential Functions

Department Management

• Schedule staff and assign work to ensure superior service and work plans are met.

• Conduct regular staff and coaching meetings.

• Recruit, train, motivate, evaluate and develop staff.

• Recognize problems and issues; analyze root causes; evaluate and consider alternatives; develop and implement goals, strategies and tactics; and make appropriate decisions.

• Establish and coordinate team efforts and build consensus, thus creating a cooperative working environment in which everyone has the opportunity to be successful.

• Develop, maintain, and track an effective call center environment.

• Review and identify cost effective and efficient utilization of Redwood Credit Union resources.

Program Management

• Ensure compliance with pertinent government rules and regulations.

• Periodically analyze automated underwriting criteria and make recommendations to adjust various matrices and attributes as deemed necessary.

• Manage and update the content of the Consumer and CUDL Loan Manual.

• Provide exceptional Member service to all external and internal customers.

• Develop and maintain an effective sales and service culture within the Consumer Lending department for direct and indirect lending platforms.

• Communicate to facilitate a smooth flow of information between Consumer Lending and branch operations, mortgage lending, marketing and member service center.

Controlling

• Monitor and review results compared to the Consumer Lending budget.

• Review, approve, counter or decline consumer loans within RCU standards.

• Conduct quarterly portfolio review and make credit decisions based on current revolving lines of credit.

• Evaluate the lending environment for all consumer loan products and provide findings to ALCO representative so that rate and program decisions can be made.

• Prepare Monthly Status Reports designed to keep the Vice President/Retail Lending and Senior Leadership Team up to date.

• Conduct monthly loan review to ensure loans are approved, denied, countered and funded in compliance with established policies and procedures.

• Strong communication, including presentation skills.
• Excellent interpersonal skills, as well as the ability to maintain credibility and engender trust.
• Thorough knowledge of all aspects of financial institution consumer lending methods, practices and services, economics and credit dynamics, as well as laws, rules, and regulations.
• Skill in the operation of a personal computer and word processing, spreadsheet and presentation software.
• Ability to analyze problems and opportunities, identify and evaluate alternatives, and develop sound, effective approaches.
• Ability to plan, implement, and evaluate the achievement of goals, objectives, and work plans.
• Ability to lead, motivate, and supervise employees.
• Ability to establish and maintain effective working relationship with a diverse group of people including Board Members, regulators, members, employees, attorneys, vendors, and other parties.

The ideal candidate has a combination of education and experience equivalent to a bachelor's degree in business administration, finance or a closely related field and four years’ experience consumer lending including business development and minimum five years managerial experience.

Compensation: Base starting range: $125,000 to $165,000 annually commensurate with experience.

Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Redwood Credit Union offers a robust benefits package to our eligible employees including:

·         Competitive medical, dental, and vision insurance, mental health offerings

·         Employee performance incentive plan

·         Salary Advancement– Merit increase based on performance

·         401(k) program with employer match

·         Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

  RCU Discounts and Perks-

-  RCU employees are eligible for a .75% discount off RCU standard collateral auto loans

- RCU employees are eligible for a 1% discount on all recreational or boat loan products

- 2% discount off Visas and LOC Loans through RCU

- 0% interest on garment, fitness, or home office equipment loan of up to $500

- 100% financing for employee purchased homes!

Why work for Redwood Credit Union?

·         Local financial institution, providing unparalleled service since 1950

· Recognized by Newsweek as one of "America's Best Credit Unions 2024"

·         Top 5 Healthiest Credit Union in the USA, rated by Glatt Consulting

·         Voted Best Places to Work in the North Bay 18 years in a row

·         World-class employee engagement scores

·         Rated Superior in Service by more than 90% of Members, surveyed by SF Gate

·         Recognized by Forbes as one of “America’s Best Small Employers 2023"

Internal Team Members

If you are a current Team Member, please apply through the internal careers page located in RCUNET.

                                        We are an Equal Opportunity Employer