Consumer Lending Operations - SVP Consumer Lending - Full Time - Remote (AK, AZ, CA, NV, WA, WY)

About the role

The Senior Vice President (SVP) of Consumer Lending is a key leader providing strategic oversight and operational excellence across the full spectrum of consumer lending functions, including Indirect Lending, Direct Consumer Lending Underwriting, and Consumer Lending Operations.

Responsibilities

• Provide strategic leadership and enterprise accountability for the Consumer Lending division, encompassing Indirect Lending, Consumer Lending Underwriting, and Consumer Lending Operations, with responsibility for overall performance, alignment, and results across these functions.
• Ensures each department established metrics are tracked, analyzed and reported on a regular basis.
• Responsible for development of Consumer Lending Strategy, implementation plan to clearly define and measure each consumer lending area for their performance results and measurable outcomes.
• Responsible for Competitive Product and Services for members' needs in each market.
• Delivers annual business results (P&L) better than budget.
• Lead, develop, and hold accountable a team of Vice Presidents responsible for key consumer lending functions by setting clear strategic objectives, performance expectations, and leadership standards, and by supporting their professional growth and succession readiness.
• Maintains and reviews monthly statistics of management and reports quality of loan applications submitted by various channels, approved and funded trends.
• Champion continuous improvement and modernization across consumer lending by establishing expectations for process efficiency, effective technology utilization, regulatory adherence, and consistent, high-quality member experiences.
• Maintains and monitors the Consumer Lending pipeline to ensure that loans are processed in a timely manner.
• Maintains and reviews monthly statistics of management and reports quality of loan applications submitted by various channels, approved and funded trends.
• Ensure strong governance and oversight of credit risk by establishing and maintaining appropriate underwriting standards, portfolio quality controls, and regulatory compliance frameworks.
• Serve as the final escalation point for complex credit exceptions and strategic lending decisions in accordance with all Federal, State, and NCUA requirements.
• Develops and oversees the annual budget, monitors financial performance, and reviews key performance indicators to ensure achievement of growth, profitability, and risk objectives.
• Promotes a high-performance leadership culture grounded in collaboration, integrity, accountability, and innovation, while supporting leadership development, employee engagement, and long-term talent development across the division.
• Supports and leads cultural change as emerges and works closely with the CCO and direct reports as well as other colleagues to sustain an ongoing culture and organizational capabilities.
• Represents the Credit Union at an executive level in internal and external engagements, including interactions with members, team members, business partners and dealers, regulators, auditors, and other stakeholders.
• Supports and participates in continuous improvement activities.
• Represents the Credit Union in a positive and professional manner.
• Maintains member, team members and other sensitive information with confidentiality.
• Treats co-workers and members with respect.
• Supports, participates and volunteers in credit union member community activities, member relations and events that promote member centric experiences.

Qualifications

• A minimum of 10 years’ experience in Consumer Lending sales and operations with direct credit authority, as well as analyzing loan portfolio and product management.
• Includes five years of directly related leadership experience.
• Well-rounded knowledge of banking or financial institutional mortgage lending.
• High level of Credit experience.
• Experience working for an organization with a regional model including some matrix reporting structure.
• Business plans, and budget planning and preparation.
• Understanding credit scoring and automated approval systems.
• Extensive knowledge of Federal, State and NCUA applicable laws and regulations, internal policies related to consumer lending.
• Experience with product innovation and digital lending platforms.
• Excellent verbal and written communication skills sufficient to present complex subjects in a clear and concise manner.
• Strong problem-solving and analytical skills: Ability to analyze and evaluate loan requests and make credit decisions.
• Ability to develop effective solutions and make decisions that can impact the entire organization and be accountable.
• Proficient computer skills.
• Position requires the ability to determine realistic and attainable strategic plans to meet business development goals.
• Strong management, organizational and interpersonal skills with all levels of staff.
• Demonstrated ability to empower, coach and mentor staff.
• Dealing with ambiguity, managing vision and purpose, organizational agility, perspective and strategic agility.

Preferred Qualifications

• 15 plus years of progressive leadership in consumer lending, including underwriting and operations experience.
• Proven knowledge and experience managing multiple lending functions, including consumer operations, indirect and direct lending programs.
• Deep understanding of loan processing systems, credit analysis, underwriting guidelines, and risk management.
• Experience working at a financial institution.
• Experience working for an organization with a regional model including some matrix reporting structure.