Job Title: Supervisor - Direct LendingStatus: ExemptReports to: Manager - Direct Loan UnderwritingDepartment: Consumer Direct Lending OperationsJob Code: 5019Pay Range: $93,700.00 - $100,000.00 AnnuallyLocation: Hybrid in Sacramento, CAWHO WE ARE:Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.WHO YOU ARE:You are at your best when balancing competing priorities while maintaining high standards. You combine lending expertise, leadership, and risk management skills to strengthen operations, develop talent, and deliver exceptional lending experiences.WHAT YOU'LL DO:
Performs quality control and risk assessments as required to maintain operational and credit risk management controls.
Administer, process, and maintain staff payroll, scheduling, personnel reports and performance appraisals, management analysis and summary reports.
Ensure superior service to all credit union staff, external business partners, and members of Golden 1 Credit Union by continually reinforcing the importance of exceeding member expectations. Establish processes to effectively monitor the service provided to members and business partners and implement improvements as necessary.
Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision, and core values.
Ensure effective cross collaboration and teamwork with all internal departments and external groups.
Maintain strong working knowledge of employee roles and responsibilities in order to serve as an effective leader, role model, and coach.
Proactively develop and nurture business relationships that are mutually beneficial.
Direct and/or counsel department staff in conjunction with their job duties and knowledge of Credit Union policies and procedures. Measure and assess performance and service, as well as staff performance relative to adherence with the Credit Union’s stated credit culture.
Recommend and develop enhancements to business models to meet strategic goals.
Review, analyze, and evaluate complex loan applications based on established credit union policies and apply knowledge of underwriting procedures loan authority to approve counter or deny consumer loan applications by: * Evaluating and ensuring that the transaction is accurate, complete, and compliant. * Reviewing required documentation for accuracy and truthfulness. * Applying fraud detection and prevention techniques. * Performing paystub and tax return analysis to determine ability to repay
Review credit reports and interpret the data along with the analysis of key lending ratios to determine capacity, credit utilization, and loan to value.
Responsible for receiving and initiating escalated phone inquiries and must communicate and interact with originator and external business partners to provide information or reasoning regarding loan decisions.
Effectively address and resolve all complaints or issues raised by members, internal staff, and business partners.
Gather information, perform analysis, and prepare reports as directed by management.
Oversee training lending personnel regarding lending policies, process, or procedures, and administering lending promotional campaigns.
Make recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending.
Assist in the…