VP Consumer and Real Estate Lending

Hawaiiusa-Federal-Credit-Union; Honolulu (HI); On-site; USD 127,000 - 159,000; Full time

Benefits offered by this job

Health insurance

Paid Time Off

401(k) matching

Vision insurance

Dental insurance

Life insurance

Disability insurance

Tuition assistance

Employee assistance program

Paid training

Job summary

HawaiiUSA Federal Credit Union in Honolulu seeks a VP of Consumer and Real Estate Lending to lead consumer and mortgage lending operations, shaping policies and training for staff, and ensuring compliance with underwriting guidelines.

The role oversees loan product development, performance metrics, audits, and collaboration across teams to meet lending goals, while driving service quality for members and staff development.

Qualifications

• Four years progressive consumer and mortgage lending experience (or comparable) with at least two years in a supervisory capacity.
• Bachelor's degree in Business preferred.
• Strong knowledge of underwriting guidelines and lending policies.
• Excellent communication, leadership, and coaching abilities.

Responsibilities

• Manage staff, workflow and productivity of the department.
• Develop and implement consumer and mortgage loan products, policies and procedures.
• Make consumer and mortgage credit decisions in line with underwriting guidelines.
• Improve departmental efficiency and effectiveness.
• Coordinate training to develop staff and ensure regulatory compliance.
• Support audits and examinations; address inquiries and findings.
• Ensure HMDA data accuracy and proper loan documentation.

Skills

Credit policy knowledge

Lending regulations

Strategic leadership

Staff development

Regulatory compliance

Analytical thinking

MS Office 365

Attention to detail

Product knowledge

Problem solving

Confidentiality

Education

Bachelor's degree

Tools

Microsoft Office 365 applications

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

VP Consumer and Real Estate Lending

Full Time Management College Walk, Honolulu, HI, US

2 days ago Requisition ID: 1203

Salary Range: $127,266.88 To $159,083.60 Annually

Oversees the administration of all consumer and real estate credit activities, including direct and indirect consumer loans, mortgage loans, credit cards, and other lending products. Keeps abreast of current trends, economic, financial, and regulatory developments. Manages workflow efficiencies and high productivity to provide excellent service levels to the frontlines and the general membership. Develops, recommends, and implements strategies, policies, procedures, and training programs for the credit union's consumer and mortgage lending operations.

Key Responsibilities

• Manage staff, workflow and productivity of the department (staffing, scheduling, evaluating, coaching, mentoring, career pathing, disciplining, training, equipping).
• Develop and implement consumer and mortgage loan products, policies, guidelines and procedures, in meeting our members’ needs.
• Manage and work with staff in providing Consumer and Mortgage related credit decisions in accordance with Credit Union underwriting guidelines.
• Continually seek to develop and implement departmental initiatives to increase operational efficiencies and effectiveness.
• Coordinate training to develop branch and departmental employees and to assure proper dissemination of program and compliance rules and regulations
• Actively meet with direct reports to keep them informed and to build esprit de corps within the department.
• Participate in and respond to audits and examinations, all related inquiries, requests, and report findings for the department.
• Ensure the completion and quality of consumer and mortgage loan documentation (including Home Mortgage Disclosure Act (HMDA) data) is maintained for the safety and legal requirements of the Credit Union.
• Recommend salary adjustments, lending authority, promotions, disciplinary actions, discharges, and other personnel related needs, actions, or activities.
• Keep abreast of current loan programs, lending trends, and changes in the secondary market guidelines and regulations
• Responsible for assisting in marketing campaigns to expand and/or preserve the loan portfolio in an effort to meet or exceed lending goals and initiatives.
• Maintain an active Nationwide Mortgage Licensing System (NMLS) number.
• Perform other duties as assigned.
• Member Focus
• Collaborating with Others
• Fostering Communication
• Quality Focus
• Visioning and Alignment
• Fostering Learning and Development
• Inspiring Others
• Credit Management
• Product and Technical Knowledge
• Problem Solving

Job Skills

• Possesses the professional skills appropriate to the job title
• Product and Technical Knowledge
• Technical Writing
• Banking Regulations
• Consumer Lending Regulations
• Initiative
• Mortgage Regulations
• Achievement Orientation
• Attention to Detail
• Analytical Thinking
• Confidentiality
• Microsoft Office 365 applications
• Ability to work both independently and cohesively with others, fosters team environment

Qualifications & Experience

• Four years progressive consumer and mortgage lending experience (or comparable experience with the lending field) with at least two years in a supervisory capacity
• Business (Bachelor's degree) preferred

Minimum Physical Requirements & Working Conditions

• Sitting for prolonged periods at a desk working on a computer and phone.
• Frequent prolonged meetings.
• Sitting for prolonged periods at a desk working on a computer.
• Lifting, pulling, pushing, and carrying up to 30 pounds on occasion.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties and responsibilities.

Benefits & Pay

The expected pay range for VP - Consumer and Real Estate is $127,266.88 to $159,083.60 per year.

This pay reflects the compensation we reasonably expect to offer for this role based on typical qualifications and market data. Offered pay may vary depending on the candidate’s experience, skills, and other relevant factors.

• We cover 100% of employees’ single medical, drug, vision, and dental monthly health insurance premiums.
• Employees also love receiving paid volunteer time, our pay it forward program, and matching their charitable donations up to $250 per year per employee.
• Tuition assistance for higher education is another special way we invest in our workforce.
• Paid Time Off and 11 Paid Holidays,
• 401(k) and 3% Employer Contribution,
• Health insurance,
• Vision insurance,
• Dental insurance,
• Prescription drug insurance,
• Life insurance,
• Flexible spending account,
• Disability insurance,
• Opportunities for advancement,
• Employee assistance program,
• Referral program,
• Retirement plan,
• Employee discount,
• Paid training,
• Professional development assistance,
• AD&D insurance,
• Credit union membership,
• Paid orientation,

About Company

HawaiiUSA Federal Credit Union is a local, not-for-profit, federally insured financial cooperative, owned and operated by our members since 1936. We are dedicated to helping members achieve their financial goals and our employees reach their career aspirations. We are committed to our community by extending ourselves through our time, efforts and resources. Our motto, Life Matters, means celebrating life’s experiences and creating fulfilling work opportunities, not just jobs.