Full Time • Downriver Area
What You'll Do
As the Director of Lending, you'll lead the credit union's lending operations and strategic lending initiatives, ensuring strong loan production, sound underwriting practices, regulatory compliance, portfolio quality, and an exceptional member experience. This role oversees consumer lending, HELOCs, and mortgage lending, while providing leadership, coaching, and strategic direction across the organization. Responsibilities include:
- Lead and develop the lending team through coaching, performance management, training, and succession planning while fostering a culture of accountability and service excellence.
- Establish departmental goals, performance standards, and key performance indicators that support the credit union's strategic objectives and lending growth initiatives.
- Oversee all lending operations, including consumer, mortgage, and HELOC lending, including underwriting, processing, documentation, approvals, and funding, assisting and backing up the team as needed.
- Drive loan production, portfolio growth, and member engagement while ensuring timely loan decisions and an exceptional member experience.
- Serve as the primary escalation point for complex loan requests, policy exceptions, and member concerns.
- Monitor lending performance, portfolio quality, delinquency trends, and operational efficiency, implementing strategies to mitigate risk and improve results.
- Develop, maintain, and enhance lending policies, procedures, workflows, and internal controls to ensure operational excellence and regulatory compliance.
- Ensure compliance with NCUA regulations and all applicable federal and state lending, servicing, and collection requirements.
- Identify opportunities for new lending products, process improvements, and strategic initiatives that enhance competitiveness and support organizational growth.
- Collaborate with internal departments, vendors, and third-party partners to optimize lending systems, products, and service delivery.
- Prepare and present lending, portfolio, and performance reports to executive leadership and the Board of Directors, providing recommendations and strategic insights.
- Participate in organizational strategic planning and represent the credit union within the community, industry groups, and professional organizations.
Your Job Classification & Schedule: Full-time, Exempt
Reporting Structure
Reports directly to the President/CEO and provides leadership to lending department staff, collections staff, member services staff, branch management, and senior leadership. Responsible for the overall performance, compliance, strategic direction, and operational effectiveness of lending functions across the organization.
Working Conditions
Branch-based, in-person position with occasional travel for training, community events, professional development, and industry conferences. This role may require standing, sitting, lifting, bending, stooping, and reaching throughout the workday.
Why You'll Love Working Here
- Supportive, family-like work culture
- Medical, dental, and vision insurance options
- 401(k) + match
- STD, LTD, & AD&D
- Life insurance
- EAP
- Paid time off
- Opportunities for growth and advancement
- Ability to make a meaningful impact on the credit union's lending strategy, portfolio performance, and member experience
Equal Opportunity Employer: TCCU is proud to provide equal employment opportunities to all qualified applicants.
