VP of Consumer Lending

Leads the strategic direction, growth, profitability, risk management, and operational performance of all consumer lending functions, including direct, indirect, unsecured, credit card, and other consumer loan products. Responsible for portfolio performance, loan production, credit quality, processes, regulatory compliance, and achievement of organizational lending objectives. Partners with executive leadership to develop lending strategies that support sustainable growth, asset quality, earnings, and balance sheet objectives while ensuring safety and soundness. Major Duties and Responsibilities: • Develops and executes multi-year consumer lending strategies aligned with the Credit Union's strategic plan. Identifies emerging market opportunities, member needs, and competitive trends. Leads development of annual lending production, yield, penetration, and profitability targets. Assesses market conditions and adjusts lending programs to maintain competitiveness while achieving risk-adjusted return objectives. Establishes metrics for funded loan conversion, application pull-through rates, and member satisfaction. • Directs ongoing monitoring of consumer loan portfolio performance including delinquency, charge-offs, recoveries, concentrations, risk-adjusted returns, and underwriting quality. Analyzes portfolio trends and recommends changes to underwriting standards, pricing, loan structures, dealer relationships, and credit risk strategies. Partners with Risk Management, Finance, and ALM teams to balance loan growth, yield, liquidity, and credit quality objectives. Presents portfolio performance, lending trends, and strategic recommendations to executive management, ALCO, and Board committees. • Drives automation and process improvements to enhance efficiency, member experience, and scalability. Evaluates and implements fintech partnerships, credit decisioning tools, third party solutions, and other technologies supporting consumer lending growth and efficiency. Monitors and oversees key vendor relationships impacting consumer lending. • Provides leadership and development for consumer lending managers and teams. Builds succession plans for critical lending functions. Establishes performance expectations and accountability measures. Promotes a culture focused on growth, member experience, continuous improvement, compliance, and risk management. • Ensures the Credit Union is in compliance with all consumer lending regulations; maintains current and appropriate policies and procedures that ensure compliance with regulatory, legal and all program requirements. Works closely with Compliance and Risk Management to identify and mitigate consumer lending risks. • Performs other job-related duties as assigned. Minimum Qualifications: Experience 10 to 15 years of progressively responsible experience in consumer lending, including leadership experience overseeing consumer lending operations, strategy, and portfolio performance. Education/Certifications/Licenses Bachelor's degree in Business Administration, Finance, Banking, or a related field required. Advanced degree preferred. Interpersonal Skills The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust. Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position. Other Skills: • Must have in-depth understanding of and ability to interpret regulations affecting lending programs. • Extensive knowledge of consumer, commercial and real estate lending practices and procedures. • Demonstrated proficiency in Microsoft Office applications and other business systems necessary to analyze data, monitor portfolio performance, and support strategic decision-making. This Job Description is not a complete statement of all duties and responsibilities comprising the position.