Manager, AACU Loan and Account Quality Assurance and Risk Mitigation

Intro

Are you ready to explore a world of possibilities, both at work and during your time off? Join our American Airlines family, and you’ll travel the world, grow your expertise and become the best version of you. As you embark on a new journey, you’ll tackle challenges with flexibility and grace, learning new skills and advancing your career while having the time of your life. Feel free to enrich both your personal and work life and hop on board!

Why you'll love this job

This job is within the American Airlines Credit Union.  The role is responsible for developing processes that create outstanding employee experiences, support member needs and meet the Credit Union's strategic objectives.

What you'll do

• Lead and manage a team responsible for ensuring compliance with credit union policies and procedures related to lending and account opening processes
• Design and implement strategies and reporting methods to validate new account, deposit product, and consumer loan applications
• Conduct quality control reviews of consumer loan applications to ensure adherence to underwriting policies and procedures
• Review samples of newly opened memberships and accounts to verify eligibility and confirm that all required documentation is collected and properly imaged
• Develop and maintain a system to track loan and account documentation exceptions, focusing on missing or recurring deficiencies
• Establish and oversee a certification process to document and track reviewed loans and accounts
• Analyze and organize departmental findings to identify training needs and procedural enhancements aimed at reducing errors and minimizing financial losses; present insights to management across the organization
• Partner with the Loss Mitigation Team to detect and monitor fraud trends in account opening and loan processes
• Collaborate regularly with leaders from Branch Operations and Phone Loan teams to discuss review findings, employee training opportunities, and process improvements
• Review charge-off data in coordination with the Payment Collection & Recovery Team to identify trends and inform potential underwriting or training adjustments
• Benchmark quality assurance practices against industry standards and recommend enhancements to improve accuracy and efficiency
• Monitor loan application trends to determine if underwriting guidelines require modification or clarification
• Set performance goals and establish operational standards for team members to optimize productivity and ensure effective execution of responsibilities
• Maintain and regularly update the department’s disaster recovery plan to ensure business continuity
• Provide management reports related to system usage
• Develop, initiate, maintain and revise procedures for the operation of the team
• Manage departmental projects and ensure department goals are met
• Ensure performance within the approved budget
• Perform other duties as assigned
• The selected candidate will be responsible for ensuring the security and confidentiality of all account and related information which is part of their work and for ensuring that his/her work is in compliance with all applicable laws and regulations including, but not limited to, the Bank Secrecy Act.

All you'll need for success

Minimum Qualifications- Education & Prior Job Experience

• ​High school diploma or GED
• Three or more years of successful work experience relevant to the role

 

Preferred Qualifications- Education & Prior Job Experience

• ​Bachelor's degree in Business Administration, Finance or a related field, or a minimum of three years of equivalent work experience relevant to the role
• Previous banking or Credit Union experience
• Three or more years of prior supervisory or leadership experience

 

Skills, Licenses & Certifications

• ​Skilled in Microsoft Office software (e.g., Word, Excel, Access, PowerPoint) gained through either work experience with the software or education and hands-on use of the software
• Strong quantitative skills, with the ability to utilize statistics to validate loand and account sample sizes
• Ability to demonstrate excellent oral and written communications skills and exercise effective interpersonal skills with the ability to communicate with all levels of staff and management
• Ability to demostrate excellent people management and employee engagement skills, including leading, developing, coaching and motivating staff
• Ability to supervise multiple team members
• Ability to broadly evaluate and improve departmental processes with an eye towards details, automation