VP of Consumer Lending

 
Role:
 
Manages and directs Consumer Lending staff, resources, and processes which consist of loan application, underwriting, processing and booking, third-party vendor management, loan origination system configuration, and deploying internal credit risk controls. Attendance is an essential function of performing the duties of this job.
 
Essential Functions & Responsibilities:
 
E 20% Ensures the efficient and effective delivery of consumer loans to members and prospective members through various direct and indirect channels.
E 20% Creates and develops strategies to drive consistent loan decisions, portfolio performance, and channel growth to align with ACU's sales and lending goals.
E 20% Develops, motivates, and retains high-quality staff, with a focus on training, coaching, and developing the team.
E 15% Works collaboratively to evaluate the effectiveness and relevance of systems and software utilized by the Credit Union to originate loans, generates sales leads, evaluate risk, assess potential fraud, appraise credit, and comply with regulatory governance.
E 10% Ensures departmental compliance with laws, regulations, standards, and best practices including completion and maintenance of documentation and records.
E 5% Works with Marketing to develop campaigns to support direct sales strategies and goals.
E 5% Develops and implements new consumer loan products and lead and participate in department and organizational projects.
E 5% Performs other related duties as assigned.
 
Performance Measurements:
 
1. Meet Annual Budget Loan Growth Goals by providing sales leadership to consumer loan officers, indirect lending team, and relevant support staff.
2. Provide coaching to each employee at least once a month through shadowing and silent monitoring.
3. Utilizes resources and tools to track team performance to meet deadlines and goals. Reports executive summary to SVP/CLO monthly.
4. Embodies and demonstrates ACU's Core Values each and every day.
1. Inclusion
2. Integrity
3. Service
5. Embodies and demonstrates ACU’s Leadership Values each and every day.
1. Growth
2. Innovation
3. Collaboration
 
Knowledge and Skills:
 
Experience Five to ten years of similar or related experience
Education (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g. information technology certifications in lieu of a degree).
Interpersonal Skills Motivating or influencing others is a material part of the job. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. The role requires a significant level of trust or diplomacy.
Other Skills Embodies and demonstrates ACU's Core Values each and every day.
1. Inclusion
2. Integrity
3. Service

Embodies and demonstrates ACU's Leadership Values each and every day.
1. Growth
2. Innovation
3. Collaboration


Must have good communication and supervisory skills.

Must have a working knowledge of spreadsheets and word processing software; be able to use PC and general office equipment including 10-key calculator.
Physical Requirements The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk and hear. The employee frequently is required to use hands or fingers, handle or feel objects, tools, or controls. The employee is often required to stand; walk; sit; and reach with hands and arms. The employee may occasionally lift and/or move up to 25 pounds. Vision abilities required by this position include close vision. Safety Sensitive Position.
Work Environment This position is in an office environment and the noise level is usually low to moderate.
This Job Description is not a complete statement of all duties and responsibilities comprising the position.
Equal Opportunity Employer, including disabled and veterans.

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