Our Purpose 
At Vibe, we are driven by our mission to elevate community and create opportunity. We believe in fostering an environment of inclusivity where every team member has the chance to grow professionally. Guided by our core values – be inclusive, educate, embrace change, and seek opportunities - we are dedicated to making a positive impact in the lives of our members and communities. As we continue to grow and expand our team, we are seeking passionate individuals who share our vision and are eager to join us in our journey. If you are someone who is passionate about making a difference and is committed to creating a brighter future for our communities, we invite you to explore this exciting opportunity at Vibe!    Your Role: Consumer Lending Manager:
As the Consumer Lending Manager, you will lead and oversee Vibe Credit Union's consumer lending operations, including underwriting, loan processing, and home equity lending. This role is responsible for delivering an exceptional lending experience across all channels while supporting the growth and success of our lending portfolio.

Above all, this leader embodies Vibe's "Lending With Purpose philosophy". Every application represents a member with a unique story, not just a credit score. You will empower your team to look beyond traditional lending models, seek responsible ways to say "yes," and help members rebuild credit, access affordable financing, and move forward with confidence. When we find the right solution responsibly, everyone wins and our communities become stronger.

What You'll Do:
Leadership & Team Development

• Lead, coach, and develop the underwriting, loan processing, and home equity teams.
• Foster a positive, engaged, and high-performing team culture.
• Conduct regular coaching sessions, performance reviews, and goal-setting discussions.
• Ensure team members receive ongoing training and development opportunities.
• Effectively lead and support teams in a hybrid work environment.

Consumer Lending Strategy & Operations

• Manage all aspects of consumer lending, including direct consumer loans, home equity products, small dollar commercial loans, and indirect lending.
• Collaborate with Senior Leadership to develop innovative lending strategies that align with organizational goals and risk appetite.
• Own lending production, pipeline management, and performance reporting.
• Monitor application volume, approval ratios, and loan production trends to identify opportunities and operational bottlenecks.
• Ensure outstanding service delivery throughout the lending process.

Lending Innovation & Process Improvement

• Lead implementation of new lending technology, systems, and process improvements.
• Manage projects from initial concept through implementation, testing, training, and post-launch support.
• Partner with retail lending teams to improve workflow efficiency between origination, underwriting, processing, and funding.
• Support lending initiatives that expand access to credit through second-look reviews, responsible counteroffers, and consistent decision-making practices.

Risk Management & Compliance

• Maintain administration and oversight of the Credit Union's consumer loan portfolios to ensure quality and soundness.
• Support loan decisioning activities within established lending authority.
• Provide backup underwriting support, including review and approval of standard and complex loan requests.
• Ensure compliance with Credit Union policies and all applicable state and federal lending regulations.
• Maintain expertise in BSA, AML, CIP, CDD, and lending compliance requirements.

Relationship Management

• Build and maintain strong relationships with business partners, dealers, team members, and members.
• Promote Vibe Credit Union products and services that provide value to members while supporting organizational growth.
• Stay informed of industry trends, market changes, and emerging lending technologies.

What We're Looking For:
Education & Experience

• Minimum of five years of consumer lending experience within the banking or credit union industry.
• Experience in underwriting and consumer loan decisioning required.
• Leadership experience required.
• Project management experience with demonstrated success delivering initiatives from concept through implementation.
• Experience interpreting lending policies, underwriting guidelines, and state and federal regulations.
• Experience developing lending policies and procedures preferred.
• Home equity lending experience and knowledge of real estate lending operations strongly preferred.
• Experience with Corelation KeyStone or similar lending/core systems preferred.

Skills & Abilities

• Strong leadership, coaching, and employee development skills.
• Excellent communication and relationship-building abilities.
• Ability to use data and reporting to drive decisions and measure performance.
• Strong project management and organizational skills.
• Ability to multitask and manage competing priorities in a fast-paced environment.
• Strategic thinker with a passion for process improvement and innovation.
• Ability to work effectively under pressure while delivering exceptional member service.
• Strong analytical and problem-solving capabilities.
• Travel between Waterford Operations and Novi Headquarters

Why You'll Love It Here:

• You'll lead a team that helps members achieve financial goals through meaningful lending solutions.
• You'll have the opportunity to shape the future of consumer lending at a growing Credit Union.
• You'll drive innovation through new technology, systems, and process improvements.
• You'll work closely with leadership to create lending strategies that expand access to credit and strengthen communities.
• You'll be part of a mission-driven organization committed to Elevating Community and Creating Opportunity every day.
• You'll help bring Vibe's Lending With Purpose philosophy to life by empowering members with financial opportunities that make a real difference.

  Physical Requirements
The physical demands described represent those required to successfully perform the essential functions of the position. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions. While performing this role, the employee may be required to hear, see, talk, stand, walk, stoop, kneel, lift, push, pull, and grasp.