Consumer Lending Analyst Manager
Job Details
Experienced
Redstone II - Mountlake Terrace, WA
N/A
Full Time
4 Year Degree
Undisclosed
Undisclosed
Day
Banking
Description

SUMMARY:  Responsible for directing consumer loan analyst operations and administrative activities for the Consumer Lending department and 1st Security Bank.

 

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

  • Fosters a culture of service excellence amongst team members. Ensures service level commitments are strongly adhered to for both internal and external customer service.
  • Manages and supervises analyst staff for the Consumer Lending team in accordance with bank policies, procedures and regulatory requirements.
  • Is responsible for the overall direction, coordination, and evaluation of the analyst team.
  • Assists in the writing and updating of policies and procedures for training and documentation of key tasks and processes.
  • Works with other teams in the testing and implementation of new products and operating systems.
  • Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsible for team member coaching, mentoring, and semi-annual check-ins.
  • Ensures policies, procedures, and underwriting decisions are consistent across the team.
  • Identifies and recommends training across the team. Ensures team members are furnished with the knowledge, skills, equipment, and guidance on policies and procedures required to perform efficiently and maintain a high level of service to dealers, customers, and other departments.
  • Establishes strategic and tactical goals as well as assists in their completion. Implements plans and solutions if needed to deliver expected results and meet or exceed loan goals.
  • Leads/participates in multiple projects simultaneously in support of consumer loan objectives.
  • Demonstrates a commitment to process improvement, operating efficiencies, and reduction in operating costs.
  • Ensures effective communications and information sharing throughout the entire Consumer Lending team as well as other departments, outside contacts, and customers as needed. Seeks ways to improve effectiveness of communications.
  • Maintains knowledge of company projects, services, and trends affecting team activities including technology advances, loan program changes, and compliance/regulatory trends.
  • Occasionally go on sales/relationship calls with Indirect Team.
  • Meets or exceeds requirements as listed in the Senior Analyst duties and responsibilities job description. 
  • Performs other duties as assigned.
Qualifications

EDUCATION and/or EXPERIENCE

  • Bachelor’s degree in a business management related field and at least seven (7) years’ experience in consumer lending or an equivalent combination of education and experience.  
  • Advanced knowledge of the Bank Secrecy Act and Anti-Money Laundering regulations. Extensive knowledge of general consumer loan related regulations including but not limited to: Military Lending Act, Reg. B, Reg Z, and FCRA.
  • Experience with both direct (branch) and indirect lending.  Experience with subordinations, reaffirmations, UCC filings, and loan disbursements.
  • In-depth knowledge of Bank policies, procedures, and related loan programs.

 

​​​​​​​COMPUTER SKILLS

To perform this job successfully, an individual should be proficient in Microsoft Office Products and other Database software.

 

PHYSICAL DEMANDS AND WORK ENVIRONMENT

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

  • The employee will operate in a general office environment, using office equipment such as a phone and a computer.  The employee must be able to bend and squat occasionally when accessing storage. 
  • The noise level in the work environment is usually quiet to moderate as compared to a private office with light foot traffic and office equipment.  The employee must be able and willing and able to interact frequently with the general public. 
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