The VP, Indirect & Consumer Lending Manager has oversight responsibility for the following Consumer Lending activities: Direct Lending, Indirect Lending, Home Equity Lines/Loans and Correspondent Residential Mortgages.

Essential Job Functions:

Implements the strategic goals and objectives of the Bank and provides direction toward the achievement of the Bank’s mission, strategy, and annual objectives.
Develops, plans, implements and monitors the overall objectives, policies and procedures to ensure the smooth operation of all functions within Consumer Lending, to include Indirect Auto Loans, Direct Consumer Loans, Home Equities and Residential Mortgages generated by our Correspondent Lending Relationship.
Reviews financial reports, systems, and procedures, as well as interprets production results, analyzes market trends, and other financially related activities.
Assures that the assigned areas of responsibility are conducted in accordance with all applicable local, state and federal laws and ensures satisfactory audits and regulatory exams.
Manages production to realize desired Consumer Lending and Home Equity portfolio objectives in terms of type and size of loans, interest rates, terms offered and credit quality.
Manages rate locks, quality control and HMDA reporting for residential mortgages acquired as part of the Bank’s correspondent lending relationship in a timely fashion.
Responsible for maintaining and updating Indirect and Direct Lending Procedures, along with Home Equity and correspondent lending relationship procedures, as appropriate.
Responsible for reviewing and making recommendations to Indirect and Direct Policies, as appropriate, to ensure compliance with State and Federal Regulations.
Responsible for assuring that the Bank establishes and maintains relationships with dealers.
Keeps informed of competition, rates, buying practices and other trends within the auto finance industry.
Additional responsibilities include new product development and recommending pricing of all Consumer Lending products and services.
Manages Consumer Lending team and provides weekly staff coaching.
Participates in community service activities demonstrating leadership and a commitment to the communities the Bank serves.

What We Offer:

Competitive Pay – $130,000 to $150,000 annually, based on experience
Time Off – 25 days of paid time off to support work-life balance
Retirement & Equity – Generous 401(k) match
Training & Development – Onboarding with classroom, webinar, and hands-on learning
Mentorship – Supportive environment with experienced professionals to help you grow
Community Involvement – Paid volunteer hours to give back to local causes

Why Rhinebeck Bank?

Since 1860, Rhinebeck Bank has been a cornerstone of the Hudson Valley community. We pride ourselves on being personally involved in our business, our customers’ financial success, and our local charitable organizations. Our dedicated team is committed to delivering the best customer service and fostering strong community connections. Join us and become a part of something that truly makes a difference.

Equal Opportunity Employer

Rhinebeck Bank is an Equal Opportunity / Affirmative Action Employer. We do not discriminate based on race, color, religion, sex, national origin, veteran or disability status, sexual orientation, gender identity, transgender status, or any other characteristic protected by applicable law.

Job Type: Full-time

Application Question(s):

Veteran Status Pre-Offer: (Please select one option)

- I identify as one or more of the classifications of protected veterans

- I am not a protected veteran

- I do not wish to answer

Do you identify as a person with a disability?

(Please select one option)

- Yes, I currently have a disability or have had one in the past

- No, I do not have a disability and have not had one in the past

- I prefer not to answer

Work Location: In person

Rhinebeck Bank

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VP, Indirect & Consumer Lending Manager