VP, Consumer Lending

Patelco

Dublin (CA)

On-site

USD 220,000 - 240,000

Full time

14 days+

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Benefits offered by this job

Exceptional Medical, Dental, Vision, &

Life Insurance

Onsite fitness center

Bonus opportunity

401(k) with match

Discounts on loan products

Tuition reimbursement

Employee Assistance Program (EAP)

PTO for full-time/part-time

Paid holidays

On-the-job training

Job summary

Patelco Credit Union, located at Dublin HQ, seeks a senior leader to drive growth in Direct and Indirect consumer lending. You will oversee underwriting, policy development, and system enhancements while coordinating with fintech relationships and marketing of loan products.

You will guide staff, ensure profitability, uphold credit quality, and collaborate across departments to meet consumer lending goals. This role offers a competitive package and opportunities for growth.

Qualifications

Bachelor’s degree preferred or equivalent experience
7+ years of work experience
5+ years in customer service and consumer lending
3+ years of management experience
Travel to branches for training/meetings; Driver’s license required
Proficient in MS Office (Word, Excel, PowerPoint, Outlook)
Knowledge of loan origination systems such as Summit
Located in Dublin HQ

Responsibilities

Lead consumer lending direct and indirect portfolios (non-real estate) including underwriting and servicing
Develop and implement credit policy procedures for new products/services
Maintain enhancements to loan origination system and integrate Patelco apps
Oversee credit administration and underwriting to leverage automation
Improve profitability via product mix and pricing management
Act as SME for lending products and processes; propose solutions
Ensure productivity standards and high-quality service
Monitor credit quality and drive loan growth through analytics
Produce monthly loan productivity stats
Collaborate with senior leaders to support organizational goals
Mentor staff to enhance product knowledge and performance
Manage resources for efficiency and effectiveness
Navigate audits and external examinations
Support staff development and internal transfers
Promote Patelco ethics and values

Skills

Leadership

Customer service

Strategic planning

Problem solving

Mentoring

Communication

Team management

Education

Bachelor’s degree in Business/Management or equivalent

Tools

MS Office

Loan Origination systems (Summit or similar)

Job description

About Patelco Credit Union

Patelco Credit Union is a not-for-profit credit union with a purpose to build financial health and wellbeing for our members. Since 1936, Patelco has grown from $500 in assets to over $9 billion in assets and is the 7th largest credit union in California with branches throughout Northern California.

We are here for our members throughout all their stages of life. Meeting them with the products and services to help them plan purposefully for their futures and to secure our life-long partnership as their trusted financial advocate. As one team, we are all committed to delivering service, empowering financial literacy, creating products, and providing new technology for our members.

We believe that work should be rewarding, challenging, and enjoyable. We’re dedicated to creating a positive and supportive culture where our team members can thrive. If you’re looking to use your skills and knowledge to make a difference in our members’ lives, Patelco could be the perfect fit for you.

Overview

In this role, the incumbent should have a passion for service and innovation, be engaged in ensuring exceptional value is provided to our internal teams and ultimately our members. Responsibilities will include lending growth for Direct and Indirect consumer portfolio’s, profitability, consumer loan credit quality, staff productivity, ongoing loan training, product and procedure instructions and loan policy compliance and maintenance. The successful candidate will also successfully initiate and manage multiple cross‑functional projects and programs to meet the needs of a diverse population of members, increasing visibility and product penetration.

Responsibilities

Provide successful leadership and strategic direction of consumer lending direct and indirect portfolios (non-real estate) including underwriting loan requests, loan servicing, Fintech relationships, and marketing of consumer loan products
Develop and implement comprehensive procedures for new products or services; manage and maintain credit policy procedures
Maintain and assist with the enhancements of the loan origination system, including integration of various Patelco applications to include implementation of new products
Responsible for overall credit administration and consistent review of credit underwriting opportunities to leverage automation
Improve profitability of consumer lending product portfolio through careful product mix and pricing management
Serve as Subject Matter Expert with consumer lending products and processes with ability to identify weaknesses, offer solutions and solve problems
Ensure productivity standards are met including high level quality service internally and externally
Ensure consumer loan credit quality and use statistics to increase product profitability, including new loan acquisitions
Develop, maintain, and distribute monthly loan productivity statistics
Successfully integrate loan objectives, opportunities, and resources to meet loan growth goals
Build positive relationships with senior leaders and collaboratively obtain full support from other departments
Collaborate with colleagues across organization to accomplish credit union’s goals
Demonstrate ability to recognize, analyze and develop solutions to issues that arise
Develop processes to improve the effectiveness of the department and overall operation of the organization
Participate in external examinations and be liaison with external auditors
Coach and develop staff to increase product knowledge and management, improving effectiveness of individuals, teams and department performance
Mentor and provide staff with the resources needed to attain results and goals
Manage resources to maximize efficiency and effectiveness
Make sound decisions with confidence when faced with multi‑faceted problems
Demonstrate a strong ability to identify, analyze and solve problems including overcoming internal barriers
Demonstrate ability to recognize management problems and develop solutions
Demonstrate and promote Patelco’s ethics and values
Exemplify credit union philosophy of people helping people

Qualifications

Bachelor’s degree in Business, Management or equivalent is preferred
Minimum of 7 years work experience
Minimum 5 years work experience in customer service and consumer lending
Minimum 3 years of management experience
Ability to travel to branches for training, meetings, or events; Driver’s license required
Proficient in MS applications including Word, Excel, PowerPoint, and Outlook
Knowledge of Loan Origination systems and Summit or like system
This position is located in Dublin HQ

Target Base Pay

$220,000 -$240,000/yearly

Compensation at Patelco

Please note that the salary information is a general guideline only. Patelco Credit Union considers factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience, education/training, key skills, internal peer equity, as well as market and business considerations when extending an offer.

We offer a competitive total rewards package including a Short-Term Incentive (STI) program for all regular positions and a wide range of medical, dental, vision, financial, and other benefits.

We Offer

Physical Health: