Consumer Lending Manager

Job Description

Job Description

Consumer Lending Manager

Our Purpose

At North Star Community Credit Union, we believe lending is about more than numbers—it’s about people, possibilities, and helping members move forward.

Every loan represents a member working toward something important: purchasing a vehicle, building credit, managing an unexpected expense, or creating greater financial stability. Our responsibility is to provide knowledgeable guidance, sound lending decisions, and an experience that earns our members’ trust.

Our culture is grounded in—how we serve our members, support one another, and strengthen the communities we call home.

As we continue to strengthen and evolve our consumer lending program, we are looking for an experienced lending leader who is ready to develop people, drive performance, improve processes, and help shape what comes next.

Your Role: Consumer Lending Manager

As Consumer Lending Manager , you will provide leadership and direction for North Star’s consumer lending program while serving as a trusted lending resource across the organization.

This role combines people leadership, lending expertise, portfolio management, risk oversight, and continuous improvement. You will help ensure our lending team has the knowledge, tools, coaching, and confidence needed to make consistent lending decisions and deliver an exceptional member experience.

Above all, you will help create a lending culture that balances member opportunity with responsible lending. You’ll encourage thoughtful decision-making, strong credit judgment, and a willingness to look for solutions while protecting both our members and the long-term strength of the Credit Union.

What You’ll Do

Leadership & Team Development

• Lead, coach, mentor, and develop consumer lending staff.
• Build lending knowledge, confidence, consistency, and sound credit judgment across the team.
• Provide ongoing training on consumer lending policies, procedures, regulations, and best practices.
• Establish clear expectations and promote accountability for lending quality, service, and performance.
• Identify development opportunities and help employees strengthen their lending capabilities.
• Foster a collaborative, member-focused, and high-performing lending culture.

Consumer Lending Strategy & Operations

• Provide leadership and oversight for North Star’s consumer lending operations.
• Manage and provide guidance on consumer loans from application through underwriting, approval, documentation, and closing.
• Support lending decisions involving both standard and more complex credit requests.
• Monitor lending production, application activity, approval trends, portfolio performance, and other key lending indicators.
• Identify opportunities to strengthen lending performance and improve the member experience.
• Partner with leadership on consumer lending priorities, products, rates, and strategic initiatives.
• Ensure lending practices are consistently applied throughout the organization.

Lending Innovation & Process Improvement

• Evaluate consumer lending processes, policies, products, systems, and workflows for opportunities to improve.
• Lead and support lending process improvements from concept through implementation.
• Identify opportunities to improve efficiency while maintaining appropriate controls and credit quality.
• Partner with operational and core-system teams to strengthen lending workflows and system utilization.
• Stay current on emerging lending technology, industry practices, and changing member expectations.
• Recommend enhancements that improve the lending experience for both employees and members.

Portfolio Management, Risk & Compliance

• Monitor and analyze consumer loan portfolio performance to maintain strong credit quality and portfolio soundness.
• Identify emerging risks, trends, and opportunities and recommend appropriate action.
• Provide oversight and direction related to delinquency management.
• Ensure consumer lending decisions align with established lending authority, policies, and underwriting standards.
• Maintain compliance with applicable state and federal consumer lending regulations.
• Provide oversight of regulatory and operational requirements associated with the Credit Union’s Visa credit card portfolio.

• Monitor consumer lending trends, market conditions, competitor offerings, and interest rates.
• Evaluate existing lending products for competitiveness, member value, and performance.
• Recommend new or enhanced lending products when opportunities are identified.
• Partner with leadership to evaluate and recommend lending rate adjustments.
• Support lending strategies that responsibly expand opportunities for members while strengthening the Credit Union.

What We’re Looking For

Experience & Knowledge

• 5–8 years of progressive consumer lending or financial services experience .
• Strong experience in consumer loan origination, underwriting, credit analysis, and loan decisioning.
• Demonstrated experience coaching, mentoring, developing, or leading lending professionals.
• Experience managing or monitoring consumer loan portfolio performance.
• Strong understanding of consumer lending regulations, compliance requirements, and sound lending practices.
• Experience interpreting and applying lending policies and underwriting guidelines.
• Experience with lending technology, loan origination systems, and core banking systems.
• Experience developing or improving lending policies, procedures, products, or processes preferred.
• Credit union or community banking experience preferred.

Skills & Abilities

• Strong leadership, coaching, and employee-development skills.
• Sound credit judgment and strong analytical decision-making abilities.
• Ability to use lending data and performance trends to identify opportunities and make informed decisions.
• Strong communication and relationship-building skills.
• Ability to influence and collaborate effectively across departments and levels of the organization.
• Strong organizational skills with the ability to manage multiple priorities.
• A continuous-improvement mindset and willingness to challenge existing processes when a better solution is available.
• High level of accuracy, accountability, discretion, and professional judgment.
• Ability to balance member service, lending growth, operational efficiency, and responsible risk management.

What Success Looks Like

Success in this role goes beyond production numbers.

You’ll know you’re making an impact when:

• Lending employees are more confident and capable because of your coaching and leadership.
• Lending decisions are consistent, timely, well-supported, and compliant.
• Members receive a professional, responsive, and solutions-focused lending experience.
• Portfolio performance remains strong and emerging risks are addressed proactively.
• Lending processes become more efficient and easier for employees and members to navigate.
• Products and lending strategies continue to evolve with member needs and market conditions.
• You are recognized throughout North Star as a trusted lending expert, coach, problem-solver, and strategic partner.

Why You’ll Love It Here

• Lead with Purpose: Develop lending professionals and help them grow their careers and capabilities.
• Shape the Future: Have a meaningful voice in the direction of North Star’s consumer lending program.
• Make an Impact: Help members access responsible lending solutions that support their financial goals.
• Drive Improvement: Bring forward ideas and help implement better products, processes, systems, and lending practices.
• Partner with Leadership: Work collaboratively on lending strategy, portfolio performance, rates, products, and organizational priorities.
• Stay Connected to Lending: Remain close to the work while providing leadership and strategic direction.
• Strengthen Communities: Be part of a credit union focused on serving members and making a difference in the communities we call home.
• Live The North Star Way: Join an organization where service, relationships, accountability, and doing what’s right guide how we work.

Physical Requirements & Work Environment

This position operates primarily within a professional office, lending, and administrative environment.

While performing the essential functions of this position, an employee may be required to sit or stand for extended periods; communicate verbally and electronically; use a computer and other office equipment; reach, grasp, bend, or stoop; and occasionally lift or move files, supplies, or equipment weighing up to 50 pounds.

Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position.

Help Shape What’s Next

If you are an experienced consumer lending professional who is ready to lead people, strengthen performance, improve how lending gets done, and help members achieve their financial goals, we want to hear from you.

At North Star, you won’t simply manage consumer lending—you’ll have the opportunity to develop the people, practices, and lending experience that move our members and our Credit Union forward.

Join North Star Community Credit Union and help us shape the future of consumer lending.