Consumer Lending Lead Officer

Summary Manage and supervise the Consumer Underwriting and Processing area.

Responsible to lead, train and supervise these employees to ensure department meets organizational goals.

Responsible for working with auditors and examiners of loan operation activities and reviewing relevant reports for accuracy and trends, as required.

Communicate with bank management to promote efficient and accurate work flows while also establishing positive and respectful working relationships between bank management and staff.

Essential Duties and Responsibilities · Interact with operations staff to improve accuracy, identify operational efficiencies, and streamline processes.

· Manage relationships and coordinate efforts with Lenders, Consumer Real Estate Originators, Operations staff and Senior Management.

· Develop and maintain work flows while ensuring proper segregation of duties.

· Must have strong verbal and written communication skills.

· Coach each staff member with detailed plan on regular basis to help develop staff so they can reach their full potential.

· Interview, hire and ensure adequate training for employees for the department; plan, assign, and direct work; employee performance management; address complaints and resolve problems.

· Assist the Sr.

Consumer Lending Officer with working with the Risk Manager, Internal Auditor, Compliance Officer, Regulator and External Auditor for audit and compliance issues.

· Assist in the development, maintenance and communication of all internal and external factors affecting consumer lending.

Which would include rates, fees, competition, new products, loan volume, trends and branch lending concerns.

· Assist to develop annual targets/goals for consumer lending.

· Collect and research data; use intuition and experience to complement data; design work flows and procedures while considering risks and controls; perform due diligence on systems and vendors.

· Develop project plans; coordinate projects and communicate progress; complete projects on time; work on various projects simultaneously, and display the ability to prioritize.

· Identify and resolve problems in a timely manner; gather and analyze information; develop alternative solutions; work well in group problem solving situations; use reason even when dealing with emotional topics.

· Analyze loan reports, charge off's, exceptions and make recommendations when necessary.

· Demonstrate excellent decision- making after digesting and understanding complex issues.

· Understand and learn business objectives and services and the related risks and controls for the day-to-day consumer lending operations of the branch network.

· Adhere to all State and Federal Banking Regulations, receive and research new regulations, policies and procedures and review with the Sr.

Consumer Lending Officer for implementation.

Stay current on compliance and regulations by attending seminars and reading available information.

Ensure necessary changes or recommendat...