To plan, direct and manage the multi-function operations of the Underwriting branch, including origination and extension of credit, while monitoring credit risk levels and member experience for the portfolio. Monitor the performance of processing systems to ensure correct application of NFCU's credit policies. Evaluate and adjust branch work quality, staff performance, systems, processes and procedures to meet goals. Serve as subject matter expert regarding branch functions, systems, policies and/or procedures. Manage daily activities of professional employees and/or supervisors. Support executive management in developing and executing strategic plans.
Develop branch strategy, establish priorities and set goals; evaluate and implement standards to ensure alignment with department/organizational objectives
Manage and direct operations to ensure targets, service level agreements and corporate objectives are met
Oversee development of benchmarking and trend analysis to drive continuous improvement and elevate service performance, increase member experience quality, manage expenses, minimize financial risk, and maintain high operational efficiency
Identify and resolve operational and performance gaps and obstacles; implement changes and improvements
Monitor work environment and direct allocation of resources to ensure adequate staffing to meet production, member service standards, and technology enhancements
Collaborate with Credit Policy and other business units and Compliance to assess and support organization risk mitigation needs by developing strategies, tactics, and quality review solutions
Serve as member of the Credit Committee to establish guidelines and decision lines of credit, increases, renewals, reinstatements, and member appeals
Manage and coordinate activities with other teams and Lending to execute competitive analysis, tracking and market analysis, surveys, etc.
Oversee quality control audits to ensure compliance with applicable federal and state laws, rules, regulations, and NFCU policies and procedures
Oversee when appropriate and/or serve as liaison to internal/external auditors; review and implement recommended/approved procedural changes
Maintain thorough knowledge of and ensure compliance with applicable federal and state laws, rules, regulations and NFCU policies and procedures
Monitor and analyze changes to applicable federal and state laws, rules and regulations; develop action plans for implementation/dissemination, and coordinate changes with affected branches/divisions
Develop and implement new/updated policies, procedures, goals and priorities for the branch as necessitated by demands, changing conditions, volume and/or management request
Collaborate with internal business partners to analyze portfolio and implement relevant policies and procedures
Lead change management efforts, cross-functional initiatives and department/organization projects
Maintain thorough knowledge of department automated systems, business processes, markets, financial services industry, trends, products and services
Provide forward thinking expertise in current and emerging trends, technologies and practices
Provide overall leadership to large strategic projects and/or programs; ensure effective management of projects from inception through implementation
Assess training and development needs for staff; evaluate training programs to ascertain effectiveness
Oversee the preparation of reports and presentations for senior management
Perform supervisory/managerial responsibilities
Ensure adequate/skilled staffing; select employees
Establish performance goals and priorities
Prepare, conduct and review performance appraisals
Develop, mentor and counsel staff
Provide input and/or prepare budget requirements for Annual Financial Plan (AFP)
Ensure section/branch goals and objectives align with division/department strategy
Ensure efficiency of operations
Leadership Level – Supervise daily activities
Perform other duties as assigned
Expert knowledge of applicable federal and state laws, rules, and regulations (e.g., Fair Credit Reporting Act, Equal Credit Reporting Act, NCUA, CFPB, BSA, etc.)
Extensive progressively responsible experience leading and managing a multi-functional credit card lending operation in a large financial institution, including operational and regulatory risks and controls
Advanced knowledge of banking/financial industry trends, products and services
Advanced knowledge of data querying, reporting, forecasting, analysis and operations research, including statistical methods and modeling
Expert organizational, planning and time management skills
Extensive experience in supervising and leading employees
Extensive experience in managing multiple priorities independently and/or in a team environment to achieve goals
Expert verbal and written communication skills
Advanced database, word processing, spreadsheet, and presentation software skills
Expert knowledge of credit card products, services, processes, and procedures
Expert skill in producing desired results and achieving goals and objectives
Expert skill interacting tactfully and effectively in difficult situations
Expert skill interacting with staff, management, vendors and members diplomatically and tactfully
Expert skill in project management to include establishing and leading project teams; managing timelines/deadlines/resources; ensuring successful project implementation
Expert skill exercising initiative and using good judgment to make sound decisions
Expert skill using innovative thinking to solve problems and facilitate the decision making process
Expert skill identifying and analyzing business requirements and recommending solutions
Expert analytical thinking skills to include summarizing information and clearly identifying key elements, patterns, results or relationships
Expert skill to influence, negotiate and persuade to reach agreeable exchange and positive outcomes
Bachelor’s degree in Finance, Business Administration, or related field or an equivalent combination of education, training, and experience
Desired Qualifications
- Advanced knowledge of NFCU credit card operations
- Advanced knowledge of NFCU policies, procedures, products, and services
- Master’s degree in Finance, Business Administration
Hours
Monday - Friday, 8:00AM - 4:30PM
Location
820 Follin Lane, Vienna, VA 22180
5510 Heritage Oaks Drive, Pensacola, FL 32526
Job description provided by Navy Federal Credit Union.
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