Role:

The Senior Vice President of Consumer Lending is responsible for the daily operations of the loan department including the Loan by Phone Center, Underwriting and Loan Operations. The Senior Vice President (SVP) of Consumer Lending is a member of the credit union’s senior management team, reporting to the Chief Lending Officer. As a leader for the lending department, the SVP of Lending must have extensive knowledge of consumer and real estate lending with strong underwriting skills. The SVP of Lending will participate in strategic planning and further development of credit union policies, procedures, and goals offering recommendations to the Chief Lending Officer.

Essential Functions & Responsibilities:

Direct and monitor lending operations, through subordinate managers/supervisors, to ensure the Credit Union meets established goals and objectives with respect to lending. Monitors product delivery and quality and takes action to resolve problems. Provides training, guidance and performance evaluations for direct reports.

Examines, evaluates, authorizes or recommends approval or denial of member loan applications.

Prepares department scheduling, periodic loan department updates, and periodic reports for management's financial and operational reports (monthly, quarterly and annual reports). Completes HMDA, and GA Residential Reporting.

Develops, proposes, gains acceptance for and implements lending program policy and strategy. Recommend changes to rates, underwriting standards, policies and procedures.

Works with internal and external auditors on reviews of the consumer lending portfolio. Ensures policy guidelines are followed.

Facilitates professional relationships with any and all vendors specific to the processing of loans to include appraisers, attorneys, insurance companies, etc.

Attend meetings and report on assigned areas of responsibility.

Performs other job-related duties as assigned.

Performance Measurements:

Maintain a cohesive, highly trained, motivated staff sufficient to meet daily department demand and long-term organizational goals.

Ensure the department is providing friendly, professional, timely, and personal service to all members.

Implements loan promotions and communicates new programs and changes to policies to ensure all lending activity is within established policies and regulations.

Keep management informed regarding key operational issues affecting the department.

Establish and achieve management development objectives for individual managers.

Note observations of employee performance. Give and receive feedback from employees on the same, completing performance reviews within the prescribed timeframe.

Knowledge and Skills:

Experience: Ten years to fifteen years of similar or related experience.

Education: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).

Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Other Skills: Must have in-depth understanding of and ability to interpret regulations affecting lending programs. Must be a decision-maker with well-developed interpersonal skills in dealing with staff, dealers, vendors and members. Attention to detail and ability to research and resolve issues as they arise is critical to the position. Proficiency with Microsoft Word and Excel. Excellent organization, time management and problem-solving skills. Experience with Meridian Link is preferred.