Director Of Lending

Job Description

Job Description

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.

What We're Looking For

• Minimum of 5 years of consumer and mortgage lending experience in a credit union, bank, or financial institution required.

• Minimum of 3 years of leadership and supervisory experience required.

• Extensive knowledge of credit union lending operations, including consumer loans, mortgages, HELOCs, underwriting, collections, loan servicing, portfolio management, and regulatory compliance.

• Proven ability to lead and manage all aspects of a lending department, including staff performance, workflows, policies, procedures, risk management, and operational results.

• Experience developing and monitoring departmental goals, KPIs, and performance metrics while driving continuous improvement initiatives.

• Strong understanding of federal and state lending regulations, collections requirements, and NCUA compliance expectations.

• Experience analyzing lending trends, portfolio performance, economic conditions, and member behavior to support strategic decision-making.

• Demonstrated ability to develop policies, procedures, training programs, operational documentation, and staff development plans.

• Strong ability to identify opportunities and recommend enhancements to lending products, workflows, policies, member experience, and organizational performance.

• Excellent communication, leadership, coaching, training, presentation, and problem-solving skills with the ability to effectively engage members, staff, vendors, regulators, executive leadership, and the Board of Directors.

• Ability to analyze financial, operational, and lending reports and translate data into actionable business recommendations.

• Outgoing, highly self-motivated leader who takes initiative, works independently with minimal oversight, and assumes full accountability for departmental performance, priorities, and strategic initiatives.

• Professional, ethical, collaborative, and member-focused approach to leadership.

Education

• Bachelor's degree in Business, Finance, Accounting, Economics, or a related field required.

• Advanced certifications or professional development in lending, financial services, leadership, or risk management are a plus.

Licenses & Certifications

• Possess an NMLS registration or the ability to obtain it within 90 days of hire.

• Certified Financial Counselor designation required or the ability to obtain it within 180 days of hire.

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.

For more than 60 years, Total Community Credit Union has helped individuals and families throughout Michigan achieve their financial goals through personalized service, competitive lending solutions, and a member-first approach. We are committed to creating a supportive workplace where employees are valued, empowered, and given opportunities to grow their careers.

Company Description

For more than 60 years, Total Community Credit Union has helped individuals and families throughout Michigan achieve their financial goals through personalized service, competitive lending solutions, and a member-first approach. We are committed to creating a supportive workplace where employees are valued, empowered, and given opportunities to grow their careers.