AVP of Consumer Lending

ASE Credit Union; Wetumpka (AL); On-site; USD 120,000 - 165,000; Full time

Job summary

ASE Credit Union is seeking a senior leader to oversee the daily functioning of the Consumer Lending Departments, guiding loan portfolios, growth, and regulatory compliance.

You will lead a team across Consumer, Indirect, Underwriting, and Lending Operations, implement lending standards, monitor risk, and collaborate with vendors and other departments to deliver exceptional member experiences.

Qualifications

• Minimum 5 years in lending operations with 3+ in leadership.
• Bachelor's in finance or related field preferred; HS/GED required.
• Bondable; strong written and verbal communication.
• Ability to manage multiple priorities under deadlines.

Responsibilities

• Streamline lending processes to increase efficiency and reduce turnaround times.
• Lead and train a high-performing lending team; assist with recruitment.
• Monitor loan quality, delinquency, and risk; implement mitigation strategies.
• Collaborate with third-party vendors for system efficiency.
• Work with other departments to offer lending products and services.
• Ensure compliance with laws and underwriting guidelines.
• Perform other duties as assigned.

Skills

Leadership

Risk management

Communication

Regulatory compliance

Attention to detail

Education

High School/GED

Bachelor's degree in finance or related field

Tools

Microsoft Office

Job description

Role

Oversee the daily functioning of the Consumer Lending Departments to ensure the effective management of loan portfolios, driving growth, and maintaining compliance with regulatory requirements. Areas of responsibility include, but are not limited to, Consumer, Indirect, Underwriting, and Lending Operations. This position requires a high attention to detail, a deep understanding of lending practices, risk management, exceptional leadership and interpersonal skills. Responsible for implementation and management of adequate lending standards and maintaining proper controls over the programs. Ability to identify portfolio risk and properly manage those areas of risk.

Major Duties and Responsibilities

• 30% Review and recommend improvements to streamline lending processes and workflows to increase efficiency, reduce turnaround times, and improve the member experience. Review current policies and procedures for required updates, as needed. Analyze performance metrics, track key indicators, and monitor market trends to identify opportunities and make recommendations for strategic adjustments to products and portfolios.

• 25% Train and lead a high-performing team, fostering a culture of accountability, collaboration, and continuous improvement. Assist the CLO with recruiting and hiring new team members. Provide coaching, mentorship, and professional development to team members.

• 15% Monitor loan quality, delinquency rates, and risk exposure, recommending strategies to mitigate risk and optimize portfolio performance to grow the portfolio within policy. Stay current and ensure adherence to all regulations, policies, and underwriting guidelines.

• 10% Work with third party vendors to maintain strong relationships and program accuracy. Review proposals for new systems and make recommendations for efficiency improvements.

• 10% Collaborate with other departments to offer lending products, ancillary products, and services to ensure an exceptional member experience.

• 5% Comply with all company policies, procedures, and service standards. Comply with all applicable laws and regulations.

• 5% All other job responsibilities as assigned by management.

Knowledge and Skills

Experience

Minimum 5 years of experience in lending operations, including 3 years in a leadership or management role within lending functions of a financial institution.

Education/Certifications/Licenses

High School Degree or GED required. Bachelor's degree in finance, business, or related field preferred.

Interpersonal Skills

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. Ability to communicate information of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating, and/or advising others on matters of significance. Ability to develop and foster strong working relationships with team members and members to ensure we are achieving the overall mission and vision of the credit union. Incorporate core values into daily activities and decisions.

Other Skills

Must be bondable. Good written and verbal communication skills. Time management skills. Ability to prioritize and multitask. Logic and reasoning skills. Attention to detail. Knowledge of Microsoft Office.

ADA Requirements

Physical Requirements

Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on a computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable, and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal to moderate noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising the highest level of discretion on both internal and external confidential matters.

ASE Credit Union is an Equal Opportunity Employer