AVP Consumer Lending

Functional Area: Consumer Lending

FLSA Status: Exempt

WHAT YOU WILL DO:

• Demonstrate business leadership by formulating objectives, practices and policies that further short-term and long-term credit union goals.
• Effectively leads consumer lending personnel, including loan origination, sales, underwriting, and funding.
• Actively participates in the on-going research and development of products and services designed to meet community financial needs.
• Demonstrates organizational success through engagement of cross functional partnerships.
• Ensures the KPI’s used to measure business plan objectives are met or exceeded. Adjusts as needed to align with available resources.
• Seeks to continually improve the user experience through technology and developing efficient processes.
• Successfully manages unexpected situations using anecdotal and factual data to resolve challenges optimally, creating win-win scenarios.
• Demonstrates and promotes the importance of diversity, equity and inclusion and credit union values through their leadership and daily work.
• Demonstrates a high level of proficiency in setting expectations, delegating, organizing work and coaching towards results.
• Establishes goals and objectives that are in alignment with SCU’s strategic/operating plans.
• Underwrites consumer loan applications and reviews higher risk applications and makes quality loan decisions on loan requests within designated loan approval limits.
• Responsible for oversight on loan policy exceptions.
• Build and maintain an annual budget for department expenditures.
• Responsible for ensuring monthly, quarterly, and annual audits are completed in a timely manner and that findings are reported to the VP, Consumer Lending.
• Represents the department during internal/external audits and exams.
• Manages vendor contracts within areas of responsibility, works directly with vendors to ensure SCU members are receiving cost efficient and quality service.
• Assures a qualified, trained staff. Supervises the Consumer Lending Relationship Sales Manager, underwriters, and processors including hiring, training, reviewing, scheduling and other administrative duties.
• Responsible for adherence to internal policies and compliance with state and federal regulations as it pertains to Consumer Lending.
• Plays a primary role in the planning and development of department programs and policies and implements same.
• Supports, promotes and cross-sells the Credit Union products and services, and ensures that staff does the same.
• Demonstrates high quality service that is aligned with credit union service standards. Mentors staff, so they deliver similar impact.
• Demonstrates a commitment to Seattle Credit Union’s core values.
• Regular and punctual attendance is required.
• Other duties as assigned.

WHAT YOU WILL BRING:

Basic Qualifications:

• Bachelor’s degree in a business-related field.
• Five (5)+ years of experience in Consumer Lending; emphasis on underwriting and sales/production.
• Three (3)+ years as a people manager.
• Two (2)+ years in a consumer underwriting capacity.
• Extensive knowledge of state and federal regulations and consumer lending underwriting requirements.
• Demonstrates decisiveness, integrity, flexibility, and critical thinking that advances the team, department, and organizational success.
• Strong communication skills. Optimally communicates with tact, discretion and courtesy to all levels of people within and outside the organization.
• Proficient in the use of lending operating systems (LOS).
• Demonstrates the agility to balance multiple priorities and manage a large volume in a fast-paced environment.
• Proficiency with Microsoft Office applications (Outlook, Word, Excel, PowerPoint, Visio).

Preferred Qualifications:

• Familiarity with Temenos (Akcelerant) and Fiserv/DNA.
• Stand-out people leader skills/abilities (seminars, webinars, specific training courses, certificates earned, etc.)

Working Conditions:

• This is a hybrid role with work performed remotely as well as in an office and/or branch environment in the Greater Seattle area of Washington State.
• Team members may attend special off-hour meetings and seminars.
• The nature of work may include prolonged periods sitting at a desk and working on a computer.

Seattle Credit Union supports and invests in our employees. We offer many great benefits including zero contribution medical, dental, and vision plans for our employees. Additionally, SCU offers a generous paid time off program as well as a 401k plan with a dollar-for-dollar employer match up to 5%.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skills and/or abilities required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions