Lending Growth Leader — Compliance & Impact

Enrichment Federal Credit Union; Oak Ridge (TN); On-site; USD 150,000 - 230,000; Full time

Benefits offered by this job

Medical, Dental, Vision Insurance

Company-paid LTD, Life & AD&D

401k with Company Match

Vacation, Sick time & Holidays

Employee Assistance Program

End of Year Bonus

Job summary

Enrichment FCU is seeking a Vice President of Lending to provide leadership for consumer and mortgage lending, plus collections, with a focus on portfolio growth, risk management, regulatory compliance, and superior member service.

The role is in office with the capability of remote work at times, reporting closely to the Chief Lending Officer. Seven+ years in lending and three+ years in management are preferred to guide strategy and performance.

Qualifications

• Bachelor's degree in business, finance, or a related field or equivalent professional experience preferred.
• Minimum seven years of progressive lending experience within a financial institution, preferably in a credit union environment.
• Minimum three years of leadership experience overseeing consumer lending, residential mortgage lending, and collections functions.

Responsibilities

• Direct the daily operations of Consumer Lending, Mortgage Lending, and Collections departments.
• Implement and execute lending strategies that support portfolio growth, profitability, and member satisfaction.
• Monitor departmental performance and recommend process improvements to enhance effectiveness and member experience.
• Monitor lending trends, market conditions, and competitive factors to identify opportunities for growth and process improvement.
• Recommend and implement new loan products, services, and delivery channels to meet member needs.
• Ensure compliance with applicable federal and state laws, NCUA regulations, and Credit Union policies.
• Maintain knowledge of regulations including TILA, ECOA, FCRA, RESPA, HMDA, SAFE Act, and BSA.
• Assist with examinations, audits, and compliance reviews.
• Monitor underwriting quality, policy exceptions, and portfolio trends and recommend corrective action when necessary.
• Promote sound lending practices and prudent risk management throughout all lending operations.
• Monitor department goals, service standards, productivity metrics, and portfolio performance.
• Prepare and present lending and collections reports to the Chief Lending Officer.
• Recommend operational improvements that enhance efficiency, service, and portfolio performance.
• Lead, mentor, and develop lending and collections management staff.
• Establish performance expectations and accountability measures.
• Foster a positive work environment focused on teamwork, member service, professionalism, and continuous improvement.
• Facilitate ongoing training and professional development opportunities.

Skills

Consumer & Mortgage lending

Credit risk analysis

Regulatory compliance

Leadership & people management

Executive communication

Lending systems & MS Office

Education

Bachelor's degree in business, finance, or related field

Job description

Enrichment FCU is seeking a Vice President of Lending to provide leadership for consumer and mortgage lending, plus collections, with a focus on portfolio growth, risk management, regulatory compliance, and superior member service.

The role is in office with the capability of remote work at times, reporting closely to the Chief Lending Officer. Seven+ years in lending and three+ years in management are preferred to guide strategy and performance.