AVP of Credit

Radiant Credit Union; Gainesville (FL); On-site; USD 110,000 - 180,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Telemedicine

PTO

Paid holidays

Employee Assistance Program

Gym reimbursement

Education reimbursement

Job summary

Radiant Credit Union in Gainesville, FL seeks an AVP of Credit to lead underwriting across consumer, real estate, indirect, and business lending, with a focus on AI-enabled decisions and risk governance.

You will develop policy, mentor teams, and partner with IT, Risk & Compliance to ensure compliant, efficient credit decisions that serve members and the organization’s strategic goals.

Qualifications

• Bachelor's degree in Finance, Business Administration, Accounting, Economics, or related field.
• Minimum three years of similar or related experience.
• Proficiency in credit underwriting systems, Microsoft Office, and data analysis software.
• Strong knowledge of credit analysis, underwriting, and loan portfolio management.
• Strong analytical, organizational, communication, and problem-solving skills.

Responsibilities

• Oversee Consumer, Real Estate, Indirect, and Business underwriting operations.
• Align underwriting strategies with goals and deliver portfolio insights.
• Lead AI underwriting program governance and continuous improvement.
• Ensure compliance with NCUA, CFPB, and state/federal requirements.
• Develop staff with training on underwriting policies and AI-assisted tools.

Skills

Credit underwriting systems

Data analysis

Microsoft Office

Analytical skills

Communication skills

Education

Bachelor's degree in Finance/Business/Accounting/Economics

7+ years related experience in lieu of degree

Job description

Our Culture

We believe everyone who works with us at Radiant should have the power to shine.

Our culture is built on connection, care, and community impact. We’re passionate about creating brighter futures by investing in the places we live, work, and play - and that starts with our people. Integrity guides everything we do, and our people are empowered to explore new ideas, grow with purpose, and help shape meaningful experiences for our members. We celebrate the unique light each person brings and foster a welcoming, inclusive environment where everyone feels valued.

For all in our community, we go the extra mile to create moments that feel personal and thoughtful, because our members and teammates deserve nothing less than exceptional care and service.

To us, taking care of our team includes professional, financial, and personal wellness.

• health, dental, and vision insurance, along with access to telemedicine
• generous PTO accrual
• eleven and a half paid holidays (bank holidays!)
• Employee Assistance Program
• gym reimbursement
• education reimbursement

A team of employees who are appreciated and supported is a team that creates the best member experience, so we're committed to setting the standard for how people should be treated.

Who We Are

For more than 50 years we've been a place where community is created and strengthened. We've built our foundation on being a place that builds brighter futures for all.

Be part of our team, start your Radiant journey today.

Position:AVP of Credit

Location: Gainesville, FL

Remote Status: On-Site

Job Id:324-2026

# of Openings:1

AVP, Credit

Position Purpose

The Assistant Vice President (AVP) of Credit provides leadership and oversight of the Credit Union’s underwriting operations across Consumer, Real Estate, Indirect, and Business lending. The AVP ensures sound, consistent credit decisions aligned with risk appetite, policies, regulatory requirements, and organizational goals.

The AVP leads and develops the underwriting team, supports lending policy development, and promotes a culture of accountability, professional growth, service excellence, and prudent risk management.

The AVP also provides leadership for the Credit Union’s AI underwriting program, including governance, implementation, monitoring, and continuous improvement of AI and automated decisioning technologies. This includes partnering with Lending, Risk & Compliance, IT, and other stakeholders to ensure AI-enabled solutions improve efficiency, consistency, and member experience while maintaining transparency, explainability, data integrity, human oversight, and regulatory compliance.

Underwriting Operations

• Manages Consumer, Real Estate, Indirect, and Business underwriting operations, including production, workload management, quality, and efficiency.
• Aligns underwriting strategies with organizational goals and provide insights on portfolio performance, product development, pricing, and credit policy.
• Leverages data and technology to improve underwriting consistency, quality, and efficiency.
• Provides leadership with the AI underwriting program, including system integration, performance monitoring, and continuous improvement.
• Evaluates emerging AI technologies and automated decisioning practices to ensure alignment with business objectives and risk appetite.

Regulatory Compliance & Risk Management

• Ensures compliance with NCUA, CFPB, Fair Lending, federal and state requirements, and Credit Union policies.
• Updates underwriting procedures and policies as regulations and lending programs evolve.
• Establishes appropriate controls for AI-enabled underwriting, including fair lending, model risk, data governance, privacy, compliance, and operational risk.
• Monitors AI and automated decisioning for disparate impact, data issues, unintended outcomes, and performance changes.
• Participates in audits, addresses findings, and implements corrective actions.
• Tracks and reports underwriting policy exceptions

Leadership & Staff Development

• Leads, coaches, and develops underwriting staff while establishing clear goals, expectations, and performance standards.
• Recruits, trains, and evaluates staff to ensure compliance, productivity, service excellence, and professional growth.
• Develops and delivers training on underwriting policies, procedures, and standards.
• Builds staff capabilities in AI-assisted underwriting, including appropriate use, review, challenge, and override of AI-generated recommendations.
• Promotes a culture where technology supports—not replaces—sound underwriting judgment and human oversight.

Member & Internal Support

• Reviews and resolves member escalations related to credit decisions, ensuring timely, effective resolutions that align with established policies, regulatory requirements, and member service standards.
• Provides guidance on complex or escalated decisions involving automated or AI-assisted underwriting.

Business Lending Support

• Participates in the weekly Business Loan Committee.
• Provides guidance on credit risk, loan structures, and policy adherence to support sound lending decisions.

Other Duties

• Performs other duties assigned by the VP of Credit in support of the Credit Union’s underwriting and lending operations.

Education

(1) A Bachelor's degree in Finance, Business Administration, Accounting, Economics, or a related field, or (2) or a minimum of a high school diploma with seven (7) years of directly related professional experience in lieu of a degree

Experience

Minimum three (3) years of similar or related experience

Skills

• Proficiency in credit underwriting systems, Microsoft Office tools, and data analysis software.
• Strong knowledge of credit analysis, underwriting, and loan portfolio management.
• Strong analytical, organizational, communication, and problem-solving skills.

"I had a wonderful experience with Radiant Credit Union! It’s rare to find a place where you genuinely feel valued as a member, but that’s exactly how I feel here. I truly appreciate all of you — thank you for consistently providing such excellent service!"

Ruthann

"We've been with Radiant Credit Union for years and have always been impressed with their friendly professionalism and efficiency."

Holly

"It's always a pleasure working with Radiant. Everyone is so helpful and informative of possible solutions and opportunities that you may not even know about. I've been a member for many years and look forward to many more. I always feel and know that Radiant is in my corner!"