VP, Consumer Lending Operations & Underwriting

Csod; Saint Joseph (MI); Hybrid; USD 120,000 - 260,000; Full time

Job summary

United Federal Credit Union is seeking a Vice President of Consumer Production Support to lead centralized underwriting, processing, delivery, and lending operations for consumer and home equity programs. You will direct teams across direct, indirect, home equity, and VISA products, ensure credit quality and regulatory compliance, and champion operational excellence and a superior member experience.

This leadership role emphasizes collaboration, governance, and performance improvements across

Qualifications

• Bachelor’s degree in a business-related field or two years of related work experience.
• Five or more years of consumer or mortgage lending experience.
• At least three years of underwriting or portfolio quality experience.
• Previous management experience.
• Strong knowledge of consumer lending, credit risk, and applicable state and federal regulations.
• Experience with lending operations, underwriting, servicing systems, and related technology.
• Demonstrated ability to lead, coach, train, and develop others.
• Strong communication, business judgment, problem-solving, and decision-making skills.
• The ability to interpret lending guidelines, manage competing priorities, and make sound decisions in a fast-paced environment.

Responsibilities

• Provide strategic leadership for consumer and home equity loan underwriting, processing, delivery, and operational support.
• Oversee direct and indirect consumer lending, home equity lending, VISA products, and related add-on products.
• Lead, coach, and develop a team of Member Service Advisors responsible for delivering lending products and services.
• Evaluate lending requests and approve appropriate exceptions that demonstrate an acceptable level of credit risk.
• Identify and implement improvements to lending systems, workflows, processes, and reporting.
• Develop and maintain service-level agreements that support operational efficiency and high service standards.
• Help shape indirect lending strategy in partnership with the Director of Indirect Sales.
• Partner with Audit, Regulatory, Legal, Enterprise Risk Management, and other teams to support compliance, examinations, and sound lending practices.
• Monitor the Loan Operations budget and address variances as needed.
• Collaborate with Training to support onboarding and technical development for consumer underwriters and processors.
• Assist Collections and Loss Prevention with delinquency, repossession, and other collection-related matters.

Skills

Consumer lending

Credit risk

Leadership

Regulatory compliance

Strategic thinking

Education

Bachelor’s degree in business-related field

Two years related work experience

Tools

Lending systems

Regulatory reporting software

Job description

United Federal Credit Union is seeking a Vice President of Consumer Production Support to lead centralized underwriting, processing, delivery, and lending operations for consumer and home equity programs. You will direct teams across direct, indirect, home equity, and VISA products, ensure credit quality and regulatory compliance, and champion operational excellence and a superior member experience.

This leadership role emphasizes collaboration, governance, and performance improvements across