Vice President, Consumer Lending - Austin, United States - United Heritage Credit Union

United Heritage Credit Union

Verified Company

Austin, United States

2 weeks ago

Posted by:

Mark Lane

beBee recruiter

Description

United Heritage Credit Union is seeking an innovative, ambitious leader to drive high-level impact on our Consumer Lending team As the Vice President of Consumer Lending, you will be responsible for overseeing all aspects of consumer lending operations, programs, and loan portfolios.

You will also provide strategic guidance to operations, processes, and initiatives, ensuring that UHCU remains a leading lender by offering relevant and up-to-date programs that capitalize on market trends.

Working closely with the Chief Lending Officer (CLO), you will utilize your expertise in Consumer Lending to achieve objectives, goals, activities, and service level expectations while maintaining in depth knowledge of UHCU's lending products, services, and systems.

At UHCU, you can expect competitive pay including a comprehensive and generous benefits and PTO package.

Our Consumer Lending team is located at our HQ building in North Austin by the 183/Oak Knoll exit (Riata Trace) and offers amenities such as a fitness center, yoga room, free breakfast
or lunch on Thursdays (e.g., FOOD TRUCKS), outdoor dining area and café with a micro market.

Responsibilities:

The Vice President of Consumer Lending will partner closely with the CLO to focus on oversight and strategic guidance to all areas of consumer lending to include the sales, service, and production teams.

These teams cover lending products such as automobile (direct & indirect), recreational vehicles, personal loans, credit cards, student loans, and repossession resales.

You will responsible for ensuring positive relationships and quality interactions with internal and external stakeholders.

Leadership & Team Development

Ensure adequate staffing levels are maintained within operational plans and performs necessary personnel actions such as interviewing, hiring, transfers, promotions, disciplinary actions and terminations.
Implement and enhance consistent coaching, and sales and service training programs to ensure a consistent and memorable member experience.

Strategic Execution

Provide strategic direction to UHCU's consumer lending programs, making recommendations as needed to ensure UHCU is a leading lender and strategically positioned to take advantage of all current and evolving market opportunities.
Participate in UHCU strategic planning and budget processes, bringing strategic direction to consumer lending initiatives.
Conduct ongoing productivity analyses and forecasts and initiates appropriate actions to deliver strategic and financial goals of the Consumer Lending department. Continuously evaluate the effectiveness of segments of the consumer lending process through operational statistics and reports.
Develop promotional strategies to increase utilization of Credit Union products and services among existing members while acquiring new households. Promote crossselling of existing products and prospecting for new opportunities.
Actively participate in community, networking and other Credit Union sponsored events in order to retain current members and bring new business to the organization.

Consumer Lending

Monitor local, regional and national markets for the latest opportunities in consumer lending and consumer lending related programs and inform the CLO of such opportunities while providing recommendations.
Oversee operational aspects of consumer lending programs, directing staff as needed to achieve efficient, effective operations.
Ensure staff is qualified, knowledgeable, managed and welltrained in the performance of their duties and effectively cross trained, resulting in quality loan origination and servicing experience for member borrowers.
Assist in the development of ongoing loan promotional programs and make rate recommendations based upon market surveys.
Serve as point of contact for escalated member issues with a goal of retaining membership and reducing organizational risk.
Make decisions on specific borrower loan requests, as needed, in adherence with UHCU underwriting standards.
Directly coordinate monthly Board reporting with the CLO & CEO, attend board meetings, and serve on UHCU committees.
Demonstrate personal commitment to continuing education and consumer loan training.

Member Excellence, Quality & Compliance

Monitor portfolio concentration levels via system generated reporting. Make recommendations based on market adjustments and conditions. Report any trends or recommendations to the CLO.
Directly oversee consumer lending policies and procedures, ensuring they are reflective of UHCU's operations and in compliance with all applicable rules and regulations.
Directly oversee underwriting guidelines, ensuring conformity with consumer lending policies and adherence to applicable rules and regulations.
Directly oversee effective utilization of consumer loan staff pay plans, making recommendations for change as warranted.
Ensure any operational failures are quickly identifie