Small Business Lending Lead (Durham)

Description

Lccu Is Hiring!

Your Contribution:

This role leads to the credit union’s small business lending operations, ensuring regulatory compliance and alignment with member needs. Responsibilities include team supervision, portfolio management, and process optimization. The position also oversees product development, budgeting, and staff mentoring. Strong underwriting experience and technical expertise are essential to drive growth and efficiency.

As a vital member of the LCCU team, your responsibilities include the following:

• Develop and manage Small Business loan products and services that meet member needs and support credit union goals.
• Ensure Small Business lending policies, procedures, and documentation comply with all federal and state regulations.
• Research, evaluate, and implement new lending products; stay current on industry trends to maintain a competitive edge.
• Lead the design and enhancement of loan origination and underwriting systems in collaboration with IT and vendors.
• Maintain and optimize workflows, user roles, and system controls to ensure efficiency and data integrity.
• Create and update procedure manuals; provide training to ensure compliance and operational consistency.
• Manage the department’s annual budget and develop reports to track performance and support strategic decisions.
• Supervise, coach, and evaluate staff performance; recommend salary changes and ensure high service standards.
• Monitor loan portfolio performance, identify risks, and ensure sound loan decisions and documentation quality.
• Collaborate with other departments to ensure alignment of lending policies and provide input on rates and products.

BANK SECRECY ACT JOB DUTIES AND RESPONSIBILITIES

• Be familiar with and be aware of member’s activity and report any suspicious actions by the member to the Compliance Officer.
• Must be aware of all suspicious practices and be able to recognize them.
• Report all Structured Transactions by the member to your supervisor and file a Suspicious Activity Report (SAR) to submit to Compliance for review, approval, and filing.
• Responsible for successfully completing required compliance training courses (BSA/Identity Theft) on an annual basis.

1. Complete the following state and federal regulation courses:
2. Servicemembers Civil Relief Act (SCRA).
3. Unfair, Deceptive, and Abusive Acts and Practices (UDAAP).
4. Equal Credit Opportunity Act (ECOA) – Regulation B.
5. Fair Credit Reporting Act (FCRA) – Regulation V.
6. Servicemembers Civil Relief Act (SCRA), and North Carolina General Statutes.

Requirements

Curious about joining our LCCU team? Here’s what you’ll need to bring along:

• Bachelor’s degree and minimum 5 + years’ experience and/or training, or equivalent combination of education and experience. MBA preferred.
• Excellent written and verbal communication skills in English. Bilingual in Spanish is plus.
• 5+ years of experience in Small Business lending, with at least 2 years in a managerial and/or underwriting focused role.
• Requires on-site supervision of staff located in the Triangle region.
• Strong knowledge of Small Business lending, including underwriting principles, loan regulations, and credit union products and services.
• Proficient in financial analysis with the ability to interpret complex loan data and calculate interest and related figures.
• Experience with Small Business loan origination systems, underwriting tools, and intermediate-level computer skills, including Microsoft Office.
• Good communication, relationship management, and teamwork skills, with the ability to thrive in a fast-paced, multi-tasking environment.
• Highly organized, detail-oriented, and committed to professional development, with a strong sense of accountability and collaboration.

LCCU is the perfect fit for you if:

• You are motivated to learn and grow into the best version of your professional and personal self.
• Your core values resonate with pursuing meaningful results to make a positive difference in your community.
• You thrive in an environment with team members who work from the heart. With employees from 20 different countries, we are a fun and multicultural team that comes together to embrace and learn from our differences. Organizational initiatives are constant.

What does LCCU have to offer you?

We provide a challenging and friendly work environment as well as a competitive salary and benefits package, including an employer-paid medical insurance plan, 401(k) plan (with a substantial company match), employer-paid life and disability plan, and generous paid time off to maintain a healthy work/life balance.

We foster a culture that incites creativity, encourages collaboration, and provides the opportunity for our employees to be their best and build their careers. Don’t wait! Come and experience the purpose that comes with being part of the movement towards a stronger, more inclusive community.

Apply Now!

To learn more about Latino Community Credit Union visit our webpage, www.latinoccu.org, and to view available opportunities, please visit the Careers section.

Latino Community Credit Union is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.