VP, Consumer Lending

About Patelco Credit Union Patelco Credit Union is a not-for-profit credit union with a purpose to build financial health and wellbeing for our members. Since 1936, Patelco has grown from $500 in assets to over $9 billion in assets and is the 7th largest credit union in California with branches throughout Northern California. We are here for our members throughout all their stages of life. Meeting them with the products and services to help them plan purposefully for their futures and to secure our life-long partnership as their trusted financial advocate. As one team, we are all committed to delivering service, empowering financial literacy, creating products, and providing new technology for our members. We believe that work should be rewarding, challenging, and enjoyable. We’re dedicated to creating a positive and supportive culture where our team members can thrive. If you’re looking to use your skills and knowledge to make a difference in our members’ lives, Patelco could be the perfect fit for you. Overview In this role, the incumbent should have a passion for service and innovation, be engaged in ensuring exceptional value is provided to our internal teams and ultimately our members. Responsibilities will include lending growth for Direct and Indirect consumer portfolio’s, profitability, consumer loan credit quality, staff productivity, ongoing loan training, product and procedure instructions and loan policy compliance and maintenance. The successful candidate will also successfully initiate and manage multiple cross-functional projects and programs to meet the needs of a diverse population of members, increasing visibility and product penetration. Responsibilities Provide successful leadership and strategic direction of consumer lending direct and indirect portfolios (non-real estate) including underwriting loan requests, loan servicing, Fintech relationships, and marketing of consumer loan productsDevelop and implement comprehensive procedures for new products or services; manage and maintain credit policy proceduresMaintain and assist with the enhancements of the loan origination system, including integration of various Patelco applications to include implementation of new productsResponsible for overall credit administration and consistent review of credit underwriting opportunities to leverage automationImprove profitability of consumer lending product portfolio through careful product mix and pricing managementServe as Subject Matter Expert with consumer lending products and processes with ability to identify weaknesses, offer solutions and solve problemsEnsure productivity standards are met including high level quality service internally and externallyEnsure consumer loan credit quality and use statistics to increase product profitability, including new loan acquisitionsDevelop, maintain, and distribute monthly loan productivity statisticsSuccessfully integrate loan objectives, opportunities, and resources to meet loan growth goalsBuild positive relationships with senior leaders and collaboratively obtain full support from other departmentsCollaborate with colleagues across organization to accomplish credit union’s goalsDemonstrate ability to recognize, analyze and develop solutions to issues that ariseDevelop processes to improve the effectiveness of the department and overall operation of the organizationParticipate in external examinations and be liaison with external auditorsCoach and develop staff to increase product knowledge and management, improving effectiveness of individuals, teams and department performanceMentor and provide staff with the resources needed to attain results and goals Manage resources to maximize efficiency and effectivenessMake sound decisions with confidence when faced with multi-faceted problemsDemonstrate a strong ability to identify, analyze and solve problems including overcoming internal barriersDemonstrate ability to recognize management problems and develop solutionsDemonstrate and promote Patelco’s ethics and valuesExemplify credit union philosophy of people helping people Qualifications Bachelor’s degree in Business, Management or equivalent is preferredMinimum of 7 years work experienceMinimum 5 years work experience in customer service and consumer lendingMinimum 3 years of management experienceAbility to travel to branches for training, meetings, or events; Driver’s license requiredProficient in MS applications including Word, Excel, PowerPoint, and OutlookKnowledge of Loan Origination systems and Summit or like systemThis position is located in Dublin HQ Target Base Pay $220,000 -$240,000/yearly Compensation At Patelco Please note that the salary information is a general guideline only. Patelco Credit Union considers factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience, education/training, key skills, internal peer equity, as well as market and business considerations when extending an offer. We offer a competitive total rewards package including a Short-Term Incentive (STI) program for all regular positions and a wide range of medical, dental, vision, financial, and other benefits. We Offer Physical Health: Exceptional Medical, Dental, Vision, and Life Insurance benefits Onsite fitness center at HQ and rewards for completing wellness related activities Financial Health: Competitive compensation packages with bonus opportunity401(k) with 3% Safe Harbor and 5% employer matchDiscounts on loan productsTuition reimbursement Emotional Health: Employee Assistance Program (EAP) PTO for part-time and full-time positions Paid holidays Personal Development: On-the-job training and skills developmentInternal transfer opportunities for career growthVolunteer work Flexible work arrangements available for specific positions Patelco Credit Union is an Equal Opportunity Employer including individuals with disabilities and protected veterans