SecurityPlus Federal Credit Union
Director of Consumer Lending
SecurityPlus Federal Credit Union, Windsor Mill, Maryland, United States, 21244
Job Type
Full-time
Description
About Securityplus Federal Credit Union:
At Securityplus Federal Credit Union, we're more than just a financial institution-we're a community dedicated to empowering people with financial security and being our members' first choice. With a mission of building lasting relationships and ensuring that households in our communities are financially healthy, we always put our members first. Our culture is driven by our values-Collaboration, Agility, Respect, Excellence, and Spirit-which guide how we work, lead, and serve.
We're a forward-thinking team that's not afraid to innovate, embrace change, and bring positivity and passion into everything we do. If you're ready to help us grow, strengthen connections, and transform how we serve our members, you might be the person we're looking for.
About this Role:
Ready to drive the future of lending at Securityplus? We're looking for a Director of Consumer Lending to lead growth in consumer and indirect lending, elevate member experience, and ensure portfolio strength. Reporting to the Chief Lending Officer (CLO), you will oversee loan origination, underwriting, servicing, and quality control-balancing credit quality with volume growth and profitability. You'll also own dealer relationship management and program expansion to fuel our indirect lending success.
If you have a passion for lending, building strong teams, and creating member-focused solutions that drive financial health, this is your opportunity to make a lasting impact and shape the lending future of Securityplus Federal Credit Union.
Requirements
Full-Time, Exempt - Responsibilities:
Strategic Lending Leadership & Growth You will lead all facets of consumer and indirect lending operations, from origination through servicing, with a focus on credit
quality, yield, and profitability. This includes developing and executing lending strategies that balance risk with growth, ensuring policies and procedures align with organizational goals and regulatory requirements. By monitoring market conditions, competitor trends, and member needs, you will identify opportunities for new products, pricing strategies, and channel expansion. Partnering with senior leadership, you will integrate lending goals into the broader business strategy and contribute to long-term success.
Consumer Lending Operations & Compliance You will oversee the entire loan lifecycle-including underwriting, decision-making, funding, servicing, documentation, and post-closing quality control-to ensure efficiency, consistency, and compliance. As the primary liaison with auditors, examiners, and legal counsel, you will ensure adherence to state and federal regulations through timely reporting and follow-up. You will establish and maintain internal controls, policies, and procedures that safeguard credit union assets while driving operational excellence. Additionally, you will manage loan origination systems and vendor relationships, performing due diligence and risk assessments to ensure compliance and operational integrity.
Indirect Lending & Dealer Partnerships
You will build and sustain strong dealer relationships to diversify originations and expand indirect lending opportunities. By creating dealer scorecards to track performance, compliance, and profitability, you will ensure accountability and strengthen partnerships. You will promote the credit union's values through training, incentives, and service excellence-ultimately driving indirect penetration, member conversion, and cross-sell opportunities.
Performance Management & Reporting You will manage the lending pipeline to ensure timely and accurate loan processing in line with service-level expectations. This includes monitoring approval rates, turnaround times, look-to-book ratios, yield, and overall profitability. You will also compile and present monthly departmental reports that provide leadership with actionable insights and support sound decision-making.
Team Leadership & Staff Development You will lead a team of originators, underwriters, servicers, and processors by fostering a culture of accountability, compliance, and continuous improvement. Through hiring, coaching, and mentoring, you will ensure that staff are engaged, motivated, and well-trained. You will communicate organizational updates and initiatives clearly and consistently, while equipping employees with the tools, training, and guidance they need to excel. By investing in your team's development, you will build future leaders and enhance service delivery.
Risk Management & Quality Assurance You will design and enforce quality control processes that maintain high standards in documentation, lien perfection, credit reporting, and collateral management. Regular audits and assessments will allow you to evaluate effectiveness, identify risks, and recommend process improvements. In addition, you will manage GAP, Credit Life & Disability, and Collateral Protection programs, ensuring compliance and profitability while protecting both members and the credit union.
What You'll Bring to the Table:
Bachelor's degree in finance, accounting, or related field required.
5-8 years in lending operations within a financial institution environment required.
Demonstrated leadership in underwriting, operations and business development.
Extensive experience in lending operations and in-depth knowledge of lending regulations, compliance requirements, and risk management principles.
Strong analytical, strategic thinking, and problem-solving skills.
Excellent interpersonal and communication skills.
Ability to inspire and lead a diverse team to achieve common goals.
Proficiency in using loan operating systems, core system platforms, and other relevant technologies.
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
Ability to write reports, business correspondence, and procedure manuals.
Why You'll Love Working at Securityplus:
Mission-Driven Organization:
You'll be part of a credit union that's all about helping our members and communities thrive.
Competitive Salary & Benefits Package:
We offer a competitive salary and comprehensive retirement benefits, including a 401(k) with company contributions, health, dental, and vision coverage, along with the opportunity to earn an annual performance bonus and monthly incentives.
Opportunities for Career Growth
We value internal development and offer opportunities for career progression into new roles and other departments.
Work-Life Balance:
We believe in work/life balance. No burnout allowed here!
Culture of Fun and Collaboration: No egos, no endless meetings-just a team of passionate people who genuinely love working together to make a positive difference.
Reasonable Accommodations Statement
The policy regarding requests for reasonable accommodation applies to all aspects of employment, including the application process. If reasonable accommodation is needed, please contact Securityplus Federal Credit Union's Human Resources Department at 410.281.6200.
Physical Demands and Work Environment
This position involves typical office work such as the use of the PC, reviewing manuals and related office papers, the use of the telephone, fax, and photocopy machines. While performing the duties of this job, the employee is required to sit, occasionally stand, walk, reach, talk, and hear. The employee may occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. The noise level in the work environment is usually low to moderate.
Equal Employment Opportunity
Securityplus Federal Credit Union provides equal employment opportunities to all applicants and employees and strictly prohibits any type of harassment or discrimination in regard to race, religion, age, color, sex, disability status, national origin, genetics, sexual orientation, protected veteran status, gender expression, gender identity, or any other characteristic protected under federal, state, and/or local laws.
At-Will Statement
Your employment with Securityplus Federal Credit Union is on an at-will basis, meaning either you or the Company can terminate the employment relationship at any time, for any or no reason, and with or without cause or notice. As an at-will employee, your employment with Securityplus Federal Credit Union is not guaranteed for any length of time.
Salary Description
$68,000.00 - $105,000.00
Full-time
Description
About Securityplus Federal Credit Union:
At Securityplus Federal Credit Union, we're more than just a financial institution-we're a community dedicated to empowering people with financial security and being our members' first choice. With a mission of building lasting relationships and ensuring that households in our communities are financially healthy, we always put our members first. Our culture is driven by our values-Collaboration, Agility, Respect, Excellence, and Spirit-which guide how we work, lead, and serve.
We're a forward-thinking team that's not afraid to innovate, embrace change, and bring positivity and passion into everything we do. If you're ready to help us grow, strengthen connections, and transform how we serve our members, you might be the person we're looking for.
About this Role:
Ready to drive the future of lending at Securityplus? We're looking for a Director of Consumer Lending to lead growth in consumer and indirect lending, elevate member experience, and ensure portfolio strength. Reporting to the Chief Lending Officer (CLO), you will oversee loan origination, underwriting, servicing, and quality control-balancing credit quality with volume growth and profitability. You'll also own dealer relationship management and program expansion to fuel our indirect lending success.
If you have a passion for lending, building strong teams, and creating member-focused solutions that drive financial health, this is your opportunity to make a lasting impact and shape the lending future of Securityplus Federal Credit Union.
Requirements
Full-Time, Exempt - Responsibilities:
Strategic Lending Leadership & Growth You will lead all facets of consumer and indirect lending operations, from origination through servicing, with a focus on credit
quality, yield, and profitability. This includes developing and executing lending strategies that balance risk with growth, ensuring policies and procedures align with organizational goals and regulatory requirements. By monitoring market conditions, competitor trends, and member needs, you will identify opportunities for new products, pricing strategies, and channel expansion. Partnering with senior leadership, you will integrate lending goals into the broader business strategy and contribute to long-term success.
Consumer Lending Operations & Compliance You will oversee the entire loan lifecycle-including underwriting, decision-making, funding, servicing, documentation, and post-closing quality control-to ensure efficiency, consistency, and compliance. As the primary liaison with auditors, examiners, and legal counsel, you will ensure adherence to state and federal regulations through timely reporting and follow-up. You will establish and maintain internal controls, policies, and procedures that safeguard credit union assets while driving operational excellence. Additionally, you will manage loan origination systems and vendor relationships, performing due diligence and risk assessments to ensure compliance and operational integrity.
Indirect Lending & Dealer Partnerships
You will build and sustain strong dealer relationships to diversify originations and expand indirect lending opportunities. By creating dealer scorecards to track performance, compliance, and profitability, you will ensure accountability and strengthen partnerships. You will promote the credit union's values through training, incentives, and service excellence-ultimately driving indirect penetration, member conversion, and cross-sell opportunities.
Performance Management & Reporting You will manage the lending pipeline to ensure timely and accurate loan processing in line with service-level expectations. This includes monitoring approval rates, turnaround times, look-to-book ratios, yield, and overall profitability. You will also compile and present monthly departmental reports that provide leadership with actionable insights and support sound decision-making.
Team Leadership & Staff Development You will lead a team of originators, underwriters, servicers, and processors by fostering a culture of accountability, compliance, and continuous improvement. Through hiring, coaching, and mentoring, you will ensure that staff are engaged, motivated, and well-trained. You will communicate organizational updates and initiatives clearly and consistently, while equipping employees with the tools, training, and guidance they need to excel. By investing in your team's development, you will build future leaders and enhance service delivery.
Risk Management & Quality Assurance You will design and enforce quality control processes that maintain high standards in documentation, lien perfection, credit reporting, and collateral management. Regular audits and assessments will allow you to evaluate effectiveness, identify risks, and recommend process improvements. In addition, you will manage GAP, Credit Life & Disability, and Collateral Protection programs, ensuring compliance and profitability while protecting both members and the credit union.
What You'll Bring to the Table:
Bachelor's degree in finance, accounting, or related field required.
5-8 years in lending operations within a financial institution environment required.
Demonstrated leadership in underwriting, operations and business development.
Extensive experience in lending operations and in-depth knowledge of lending regulations, compliance requirements, and risk management principles.
Strong analytical, strategic thinking, and problem-solving skills.
Excellent interpersonal and communication skills.
Ability to inspire and lead a diverse team to achieve common goals.
Proficiency in using loan operating systems, core system platforms, and other relevant technologies.
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
Ability to write reports, business correspondence, and procedure manuals.
Why You'll Love Working at Securityplus:
Mission-Driven Organization:
You'll be part of a credit union that's all about helping our members and communities thrive.
Competitive Salary & Benefits Package:
We offer a competitive salary and comprehensive retirement benefits, including a 401(k) with company contributions, health, dental, and vision coverage, along with the opportunity to earn an annual performance bonus and monthly incentives.
Opportunities for Career Growth
We value internal development and offer opportunities for career progression into new roles and other departments.
Work-Life Balance:
We believe in work/life balance. No burnout allowed here!
Culture of Fun and Collaboration: No egos, no endless meetings-just a team of passionate people who genuinely love working together to make a positive difference.
Reasonable Accommodations Statement
The policy regarding requests for reasonable accommodation applies to all aspects of employment, including the application process. If reasonable accommodation is needed, please contact Securityplus Federal Credit Union's Human Resources Department at 410.281.6200.
Physical Demands and Work Environment
This position involves typical office work such as the use of the PC, reviewing manuals and related office papers, the use of the telephone, fax, and photocopy machines. While performing the duties of this job, the employee is required to sit, occasionally stand, walk, reach, talk, and hear. The employee may occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. The noise level in the work environment is usually low to moderate.
Equal Employment Opportunity
Securityplus Federal Credit Union provides equal employment opportunities to all applicants and employees and strictly prohibits any type of harassment or discrimination in regard to race, religion, age, color, sex, disability status, national origin, genetics, sexual orientation, protected veteran status, gender expression, gender identity, or any other characteristic protected under federal, state, and/or local laws.
At-Will Statement
Your employment with Securityplus Federal Credit Union is on an at-will basis, meaning either you or the Company can terminate the employment relationship at any time, for any or no reason, and with or without cause or notice. As an at-will employee, your employment with Securityplus Federal Credit Union is not guaranteed for any length of time.
Salary Description
$68,000.00 - $105,000.00