Summary

Manages and directs the Consumer Lending channel for all markets with accountability for growth, profitability and regulatory compliance. This role is responsible for achieving the growth and performance expectations of the channel through the development and execution of a comprehensive strategic business plan. This position is responsible for assisting in developing, overseeing and managing the long term vision for consumer lending, including portfolio and secondary market mortgage lending. Manages credit risk, interest rate risk, compliance risk, portfolio management, product development, service level expectations, and profitability. 

Essential Duties & Responsibilities

• Develops, in conjunction with senior leadership, strategic direction, plans, goals and operating budget for consumer lending in support of the organizational strategies and objectives.

• Drives the department’s strategic planning process, business plan development, budget targets, and performance metrics.

• Directs development of consumer lending products and programs in collaboration with Marketing, Sales, Finance, and Compliance areas.

• Works closely with compliance and risk resources to develop strategies aligned with achievement of CRA-related goals.

• Responsible for managing decisioning within the Loan Origination System (LOS). 

• Reviews and approves underwriting that would require a senior leader approval or program exceptions.

• Analyzes trends and risks within the portfolio and develops strategies in alignment with the organization’s risk tolerance.

• Establishes policies and procedures for consumer lending and reviews exceptions to policies, programs, and pricing as required.

• Develops and maintains pricing models and strategies in alignment with pricing objectives.

• Provides overall vendor management functions critical to consumer lending including, contract management, performance monitoring, and SLA definition and management.

• Performs other duties as assigned. 

Qualifications

• Extensive knowledge of regulations governing consumer and real estate lending, including Regulations B, C, X, Z, Fair Housing Act and Fair Credit Reporting Act.

• Experience navigating AZ, CA, KS, MO, NM and NV state laws and the ability to learn and adapt to new state laws and regulations. 

• Experience and interest in building out a formal consumer lending program (not just managing an existing program).

• Experience leading and developing managers.

• Advanced ability to read, analyze and interpret common financial reports and legal documents.

• Proficient in managing multiple projects simultaneously in a fast-paced environment.

• Maintains a high degree of professionalism and executive presence under pressure.

• Advanced problem solving skills. 

• Ability to build strong relationships and utilize influence and persuasion skills.

• Strong communication skills including written, verbal and interpersonal.

Supervisory Responsibilities

• Consumer Lending team

• Secondary Market Mortgage team

Education and/or Experience

• Bachelor’s degree or equivalent level of training and experience. 

• Ten (10) or more years of management experience in a financial institution.

• Fifteen (15) or more years of experience in a variety of consumer or combination of consumer and commercial lending operations and servicing functions.

• Experience working at a financial institution with a strong consumer loan platform. 

Computer and Software Skills

• Google Suite

• Microsoft Office

• Salesforce

• nCino

Certifications, Licenses, and Registrations

• None