Assistant Manager, Consumer Funding

Working for Pacific Service Credit Union

We put people first. That includes our members, our employees and the communities we serve. We hire energetic and enthusiastic people who want to work as part of our team.

What's in it for you?

Health insurance coverage: We provide our employees with 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents.

401k: We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service.

Bonus program: All employees are rewarded for attaining our annual organizational goals.

Tuition Reimbursement program for employees eligible after six months of service.

Recognition program where employees can be nominated by management, their peers or by members.

Employee referral bonus.

Student Loan Repayment Assistance: Contributions toward your student loans every month by the credit union after six months of service.

Employees are eligible to receive a consumer loan rate discount

Vacation and sick time: Full-time employees receive more than two weeks' vacation per year, 11 paid holidays and 10 days of sick leave.

Our Hiring Process

We believe it's important for you to know where you stand in our hiring process. Below is an outline of the steps we take to make the best hires possible.

Apply: Submit your resume for one of our job openings.

Our Talent Team and our partner - Total Quality Consulting (TQC Team) will review your submitted information and will call or email successful applicants for an interview as soon as possible.

In-Person Interview: After a screening call with TQC, we'll invite a final number of candidates to our office for an in-person interview or set up a live Zoom meeting with the hiring manager(s).

If we believe that you have what it takes, we'll make an offer and provide next steps in the hiring process!

About this Role

At Pacific Service Credit Union, we are committed to strategic growth through trust, innovation, and operational excellence. By empowering our internal teams with the tools and support they need to succeed, we strengthen organizational efficiency, ensure compliance, and advance our mission of enhancing member financial well-being.

The Assistant Manager, Consumer Funding is responsible for overseeing and directing all consumer and indirect loan funding activities across the credit union. This role leads a team of funders while actively participating in funding functions to ensure timely, accurate, and compliant loan disbursements.

This position manages funding workflows, service level agreements (SLAs), and queue prioritization to ensure optimal turnaround times and high-quality member experience. Utilizing their best judgment and industry experience the position will optimize processes to impact member service outcomes, provide compliance oversight, complete performance management responsibilities, including making recommendations for hiring, disciplinary actions, promotions, and compensation recommendations. The Assistant Manager serves as a key operational leader bridging Consumer and Indirect Lending, ensuring consistency, efficiency, and adherence to credit union policies and regulatory requirements.

This role requires an organized and dependable individual with strong communication skills and the ability to complete tasks accurately and on time. The position supports the team and organization by assisting with day-to-day activities, completing assigned projects, and contributing to efforts that advance organizational goals and uphold core values, while enhancing member/service outcomes.

Essential Job Functions

• Direct and oversee daily funding operations for direct auto, RV, boat, and motorcycle loans, unsecured personal loans, credit cards (Visa), secured personal loans, Indirect auto loans (CUDL or equivalent channels)
• Supervise and support a team of three to five funders.
• Occasionally fund loans alongside the team during high volume periods to maintain production flow and service levels.
• Manage and monitor funding queues to ensure timely processing and adherence to established SLAs.
• Establish daily priorities and allocate workload to meet volume demands.
• Identify bottlenecks and implement process improvements to enhance efficiency.
• Ensure consistent clearing of funding pipelines across all product types.
• Ensure all funded loans meet credit union underwriting guidelines, funding requirements, and regulatory standards.
• Partner with Compliance and Quality Control to address defects and audit findings.
• Reinforce adherence to policies including fraud prevention and verification procedures.
• Provide coaching, training, and performance feedback to funding staff.
• Monitor individual and team productivity, quality, and service metrics.
• Assist in hiring, onboarding, and ongoing development of funding personnel.
• Contribute to company innovation and continuous improvement. Foster a culture of evolution by adapting to changes, optimizing processes, and contributing to the growth and success of the organization.
• Demonstrate accountability in your work by taking ownership of responsibilities, setting clear goals, meeting deadlines, and delivering high-quality results. Act with integrity, follow through on commitments, and uphold professional standards.
• Support and uphold company culture by aligning your work with the credit union's mission and values, contributing to a positive, high-performing environment.
• Demonstrate dependable performance including attendance and punctuality, recognizing that it is essential to organizational excellence and operational success.
• Comply with all anti-money laundering laws, including the Bank Secrecy Act, OFAC regulations, and the USA PATRIOT Act, as well as all related policies and procedures.

Supporting Functions

• Provide back-up and support to management, as directed.
• Performs special projects and other responsibilities, as directed.

Competencies

The following competencies are essential for success in this role:

Job knowledge: Demonstrates solid job expertise; learns and applies new skills effectively; works with minimal supervision; understands how work impacts others; uses resources efficiently.

Effective communication: Communicates clearly and concisely; tailors messages to audience needs; engages listeners; keeps stakeholders informed.

Problem solving: Identifies issues early; gathers and analyzes information effectively; develops alternatives; resolves problems promptly; contributes productively to group solutions.

Quality of work: Delivers accurate, thorough work; proactively reviews processes; prevents recurring issues; ensures deliverables meet all standards, expectations, and deadlines.

Member focus: Shows courtesy and professionalism; manages difficult situations constructively; meets commitments; responds promptly; seeks feedback to improve service.

Collaboration: Builds strong working relationships; demonstrates tact and professionalism; supports others; works cooperatively; helps resolve conflicts productively.

Execution: Translates strategy into action; pursues goals with focus and urgency; commits the necessary effort; implements plans efficiently and delivers results within required timeframes.

Required Minimum Qualifications

Education:

• High School Diploma or equivalent required.
• College degree or equivalent work experience preferred.

Experience:

• Minimum five years' (5) experience in a consumer lending role with escalated authority and funding experience, required.
• Prior supervisory experience required, preferably in a lending environment.
• Experience with indirect lending channels (dealer networks, CUDL) strongly preferred.
• Demonstrated ability to work with minimal supervision, independently managing a complex pipeline of loans to be funded.
• Proven success meeting or exceeding individual and organizational professional goals.
• Demonstrate ability to effectively work at a fast pace and in a changing environment.
• Ability to communicate effectively with credit union staff and external support partners, including dealers and dealer representatives.
• Excellent oral and written communication skills required.
• Must be proficient in common office computer programs (e.g., Microsoft Office Suite, Origence Arc OS and similar).

Preferred Qualifications

• Strong credit and general financial analysis experience.
• Advanced ability to research, analyze, and report information on market conditions including competitive product and service offerings.
• Continually develop and maintain advisory and consultative lending skills.

Physical Requirements

Hearing: Ability to hear and comprehend spoken communication in person and over the phone. Vision: Ability to view computer screens and read documentation with clarity and accuracy.

Verbal Communication: Ability to speak clearly and effectively to interact with colleagues and/or members. Frequent use of a telephone headset may be required.

Manual Dexterity: Proficient use of hands and fingers for typing, operating office equipment, and handling documents.

Posture and Endurance: Ability to sit or stand at a workstation for extended periods; adjustable sit/stand desk options may be available to support comfort.

Mobility: Ability to move within the office environment to attend meetings or assist colleagues as needed. Lifting and Carrying: Occasionally required to lift and carry materials weighing up to 30 lbs.

Other Information

Hours Required: A work schedule of Monday through Friday, generally 8 a.m. to 5 p.m. with some alternate work schedules. This position is eligible for the credit union's telecommute policy.

Travel Requirements: Less than 10% local travel is required. Limited travel during the work schedule, primarily for training, meetings, dealer engagements.

Work Environment: This position is based in a climate-controlled office environment with ergonomic workstations in a two-story building with an elevator. Subject to standard background noise found in an office environment. Natural light from large windows, supplemented by artificial lighting to ensure a comfortable working atmosphere.

Disclaimer

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.