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Consumer Lending Jobs in Michigan (NOW HIRING)

Vibe Credit Union

Consumer Lending Manager

Waterford, MI · On-site

$90 - $140/hr

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.

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All JobsConsumer Lending JobsConsumer Lending Jobs in Michigan

Consumer Lending information

See Michigan salary details

$40.5K

$93.7K

$176.5K

How much do consumer lending jobs pay per year?

As of Aug 25, 2026, the average yearly pay for consumer lending in Michigan is $93,745.00, according to ZipRecruiter salary data. Most workers in this role earn between $64,500.00 and $114,200.00 per year, depending on experience, location, and employer.

What is a consumer lending?

A Consumer Lending job involves assisting individuals in securing loans for personal use, such as home mortgages, auto loans, or personal loans. Professionals in this field assess borrowers' financial backgrounds, explain loan terms, and guide them through the application process. They work for banks, credit unions, or financial institutions, ensuring compliance with lending regulations. Strong customer service, financial analysis, and communication skills are essential for success in this role.

What are the key skills and qualifications needed to thrive in consumer lending, and why are they important?

To thrive in Consumer Lending, you need a strong knowledge of financial products, credit analysis, and underwriting, often supported by a degree in finance, business, or a related field. Experience with loan origination systems (LOS), credit bureaus, and sometimes certifications like the Certified Consumer Lending Specialist (CCLS) can be advantageous. Excellent interpersonal skills, attention to detail, and the ability to explain complex financial information clearly help professionals stand out. These skills are crucial for building trust with clients, accurately assessing risk, and ensuring regulatory compliance in lending decisions.

What are some common challenges faced by professionals in consumer lending, and how can they be addressed?

Professionals in Consumer Lending often encounter challenges such as managing complex loan applications, keeping up with changing regulatory requirements, and assessing the creditworthiness of diverse applicants. Success in this field requires staying detail-oriented, leveraging technology for efficient workflow management, and regularly updating your knowledge of lending regulations and credit policies. Building strong relationships with clients and collaborating closely with risk and compliance teams also helps navigate these challenges. Employers typically provide ongoing training and encourage open communication to create a supportive team environment.

What do consumer lenders do?

Consumer lenders evaluate and approve loan applications for individuals seeking personal loans, auto loans, or credit cards. They assess borrowers' creditworthiness, verify financial information, and determine loan terms, often using credit scoring tools and financial analysis skills.

What are the most commonly searched types of Consumer Lending jobs in Michigan?

The most popular types of Consumer Lending jobs in Michigan are:

What are popular job titles related to Consumer Lending jobs in Michigan?

For Consumer Lending jobs in Michigan, the most frequently searched job titles are:

What job categories do people searching Consumer Lending jobs in Michigan look for?

The top searched job categories for Consumer Lending jobs in Michigan are:

What cities in Michigan are hiring for Consumer Lending jobs?

Cities in Michigan with the most Consumer Lending job openings:

Consumer Lending jobs near you
Infographic showing various Consumer Lending job openings in Michigan as of August 2026, with employment types broken down into 100% Full Time. Highlights an 80% In-person, and 20% Remote job distribution, with an average salary of $93,745 per year, or $45.1 per hour.

Consumer Lending Manager

Vibe Credit Union

Waterford, MI

Full-time

Posted 26 days ago

Job description

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 amp; 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 amp; 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 amp; 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 amp; 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 amp; 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 amp; 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.

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