Lending Manager

Overview

About Us:

SkyPoint Federal Credit Union is a community-based financial institution, located in Montgomery County, Maryland. SkyPoint serves our members in the greater Washington D.C. metro region with a wide array of financial services, supported by technology, and offers great value, affordable fees, and rates through our member-owned structure.

The only designated Community Development Financial Institution (CDFI) credit union in Montgomery County, SkyPoint helps our members and the community gain access to the financial services needed to prosper. Through our inclusive, expert, and compassionate team, we focus on removing banking complexities, and building empowering relationships with our members to help them achieve their financial goals with simple and accessible banking solutions.

The Lending Manager is responsible for the efficient and effective coordination of daily operations across all lending areas, ensuring compliance with state and federal regulations as well as SkyPoint FCU policies. This role maximizes departmental productivity, oversees underwriting and loan processing, and supports staff to achieve sales and service goals. The Lending Manager also performs all duties of a Loan Officer as needed, including underwriting and originations for multiple loan types.

• Oversee daily operations of Consumer, Mortgage, Business, and CDFI lending.
• Ensure all loan types are underwritten and funded in a timely, compliant manner.
• Monitor loan queues, delivery channels, and service levels.
• Lead, coach, and develop lending staff to achieve individual and departmental goals.
• Conduct interviews, scheduling, training, work assignments, and performance reviews.
• Recommend discipline or discharge when necessary, maintaining documentation.
• Enhance departmental productivity through training, process improvements, and growth opportunities.
• Monitor sales and service performance; complete monthly coaching and scorecards.
• Maintain effective communication across branches, members, and internal departments.
• Resolve complex lending situations using sound judgment and knowledge of products and policies.
• Participate in management-level discussions on product, service, and policy changes.
• Prepare ongoing and special reports, including production, CDFI, and Board reports.
• Recommend enhancements to underwriting criteria and consumer lending policies.
• Assist with development and rollout of new products and services.
• Perform all duties of a Loan Officer as needed, including interviewing applicants, analyzing credit, verifying information, and making loan decisions within authority.
• Perform additional administrative and member service duties as assigned.

Education

• BA/BS in Business or related field (or equivalent experience).

Experience & Skills

• 3–5 years of progressive experience in consumer and/or mortgage lending, preferably in a credit union.
• At least 2 years of supervisory experience required.
• Business lending experience preferred.
• Excellent verbal, written, and interpersonal communication skills.
• Strong organizational, analytical, and problem-solving abilities.
• Deep knowledge of credit union products, services, policies, and procedures.
• Experience with automated lending systems and relevant regulations (FCRA, consumer/mortgage lending).
• Ability to manage multiple priorities and meet deadlines.
• Strong service-oriented mindset.
• Ability to work in a branch environment and use standard office equipment.
• Occasional travel may be required.

SkyPoint FCU is open M-F 9am-5pm.

Working Hours:

Monday-Friday 8:45am-5:15pm.

Based upon business needs, this position may require working at or transferring permanently to neighboring branches within a reasonable commuting distance.

Holidays:
Eleven (11) paid per year

Leave:
You will earn Paid Time Off and Personal, Sick and disability leave. Annual leave is accrued at 4.6 hours per pay period (15 days per year). Two personal days are earned per year. Sick leave is accrued at 4.62 hours per pay period with a maximum accrual per year of 120 hours.

Insurances:
Employees are offered medical, prescription, dental, vision and disability insurance. The credit union pays a portion of the monthly premium, and the employee pays a portion. Available providers and costs will be discussed during orientation. All insurance except disability is effective the first of the month following date of hire.

Life Insurance:
All full-time employees are required to have Group Term Life (GTL) insurance equal to 1x’s their basic annual earnings, up to $200,000. Active employees over age 65, their coverage is reduced to 65% of the pre-65 face value. This policy is County paid 80%, and employee paid 20%. Additional coverage can be purchased. Information will be available during orientation.

401(a)/Deferred Compensation:
You will be eligible to participate in the SkyPoint FCU Retirement 401A plan after 6 months of employment. Information about retirement options will be presented during…