VP Business & SBA Lending

Utah Community Credit Union (UCCU); Provo (UT); On-site; USD 180,000 - 260,000; Full time

Job summary

Utah Community Credit Union (UCCU) seeks a Vice President of Business & SBA Lending to lead the credit union’s business and SBA programs, driving loan growth, portfolio quality, and regulatory compliance for its membership.

You will shape strategy, expand SBA and MBL offerings, oversee underwriting and risk management, and build strong relationships with members, referral sources, and partners while leading a high-performing team.

Qualifications

• Bachelor’s degree in business, finance, or related field; or equivalent work experience required.
• Minimum of 5 years of progressive experience in commercial or business lending, including SBA lending programs.
• Strong knowledge of NCUA regulations, SBA SOPs, and MBL requirements.
• Effective leadership, communication, and relationship-management abilities; strategic thinker with analytical skills.

Responsibilities

• Lead strategy and development for the Business and SBA Lending programs to drive growth and service excellence.
• Expand MBL offerings (commercial real estate, equipment financing, lines of credit, deposit-related business solutions).
• Oversee SBA lending programs (including SBA 7(a)) and strive for or maintain SBA Preferred Lender status.
• Oversee underwriting, structuring, approval, and documentation of business loan requests; monitor portfolio performance and risk metrics.
• Collaborate with executive leadership to set lending goals, metrics, and reporting; ensure regulatory compliance.

Skills

Credit analysis

Loan structuring

Risk assessment

Leadership

Communication

Relationship management

Strategic thinking

Analytical skills

Education

Bachelor's degree in business/finance or related field

Job description

Description

The Vice President of Business & SBA Lending provides strategic and operational leadership for the Credit Union’s Business and Small Business Administration (SBA) lending programs. This role is responsible for driving sustainable loan growth, managing portfolio quality, ensuring regulatory compliance, and expanding the Credit Union’s presence as a trusted financial partner to small businesses within its field of membership.

Job Details

The Vice President of Business & SBA Lending provides strategic and operational leadership for the Credit Union’s Business and Small Business Administration (SBA) lending programs. This role is responsible for driving sustainable loan growth, managing portfolio quality, ensuring regulatory compliance, and expanding the Credit Union’s presence as a trusted financial partner to small businesses within its field of membership.

Essential Functions And Basic Duties

• Strategic Leadership & Program Development.
• Develop and execute the Credit Union’s Business and SBA Lending strategy to drive portfolio growth, profitability, and service excellence.
• Lead the expansion of MBL offerings, including commercial real estate, equipment financing, lines of credit, and deposit-related business solutions.
• Manage and grow SBA lending programs, including SBA 7(a), while working toward or maintaining SBA Preferred Lender status.
• Collaborate with senior leadership to establish lending goals, performance metrics, and reporting for senior management and the Board.
• Maintain expert knowledge of SBA loan products, SOP requirements, and evolving regulatory expectations.
• Portfolio & Risk Management
• Oversee underwriting, structuring, approval, and documentation of business loan requests in accordance with policy and sound credit practices.
• Monitor portfolio performance metrics including delinquency, charge-offs, concentrations, and risk ratings.
• Ensure full compliance with NCUA regulations, SBA guidelines, internal policy, and secondary market requirements.
• Partner with Credit Administration and Risk teams to maintain strong loan quality and minimize losses.
• Oversee business credit card programs, including limits, approvals, portfolio performance, and marketing strategies.
• Member & Community Engagement
• Serve as the primary ambassador for the Credit Union’s business lending solutions.
• Build strong relationships with business members, referral sources, economic development partners, and community organizations.
• Provide financial education and outreach to enhance the Credit Union’s reputation as a trusted business advisor.
• Identify opportunities to expand the Credit Union’s business lending footprint and market presence in the communities UCCU serves.
• Team Leadership & Development
• Recruit, develop, and lead a high-performing business lending team, including loan officers, underwriters, and support staff.
• Foster a culture of accountability, collaboration, service excellence, and professional growth.
• Provide coaching and guidance on complex loan structuring, SBA requirements, and relationship management.
• Maintain regular communication, feedback, and performance management with team members.
• Works a regular and predictable schedule.
• Must be sufficiently fluent in English to process work and business transactions.

PERFORMANCE MEASUREMENTS

• Department functions are effectively and efficiently completed in accordance with established Credit Union policies, procedures, standards, and related program and legal requirements. Safe and sound lending practices are maintained.
• Achievement of annual business loan growth and profitability goals are met.
• Department policies and procedures are regularly reviewed and modified as needed. Appropriate Departmental and employee goals are formulated and achieved.
• Loan documents, account records, and related files are complete, accurate, and timely.
• Department personnel are well trained, effective, efficiently utilized, and well supervised.
• Professional business relations exist with members and external business contacts. Questions and problems are promptly and courteously resolved.
• Effective working relations exist with Credit Union personnel and management.
• Portfolio quality metrics met including delinquency rates, net charge-off ratio, loan concentrations, and compliance exceptions

Qualifications

EDUCATION/CERTIFICATION: Bachelor’s degree in business, finance, or related field; or equivalent work experience required.

Required Knowledge & SKILLS: Strong knowledge of NCUA regulations, MBL requirements, and SBA Standard operating procedures (SOP’s). Advanced credit analysis, loan structuring, and risk assessment skills. Effective leadership, communication, and relationship management abilities. Strategic thinker with strong analytical and decision-making skills.

EXPERIENCE REQUIRED: Minimum of 5 years of progressive experience in commercial or business lending, including SBA lending programs. Proven track record in portfolio growth, risk management, and loan program development. Prior experience managing teams and lending operations.

Physical Activities And Requirements Of This Position

• TALKING: One must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.
• AVERAGE HEARING: Able to hear average or normal conversations and receive ordinary information.
• REPETITIVE MOTION: Movements frequently and regularly required using the wrists, hands, and/or fingers.
• AVERAGE VISUAL ABILITIES: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.
• PHYSICAL STRENGTH: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally.
• (Almost all office jobs.)

WORKING CONDITIONS

NONE: No hazardous or significantly unpleasant conditions (such as in a typical office).

Mental Activities And Requirements Of This Position

REASONING ABILITY: Ability to apply logical or scientific thinking to define problems, collect data, establish facts, and draw conclusions.

Able to interpret a variety of technical instructions and can deal with multiple variables.

MATHEMATICS ABILITY: Ability to compute discount, interest, profit, and loss; commission markup and selling price; ratio and proportion and percentage.

Able to perform very simple algebra.

LANGUAGE ABILITY: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, other business publication and materials.

Ability to prepare business letters, proposals, summaries, and reports using prescribed format and conforming to all rules of punctuation, grammar, diction, and style.

Ability to conduct training, communicate at panel discussions and to make professional presentations.