VP of Consumer Lending

PENAIR CREDIT UNION; Pensacola (FL); In loco; USD 125.000 - 180.000; Tempo pieno

Vantaggi offerti da questo lavoro

Education assistance

Wellness programs

Gym membership

Career development

Descrizione del lavoro

PenAir Credit Union seeks a senior leader to direct all consumer lending operations, including direct, indirect, unsecured, and credit card products. You will be responsible for portfolio performance, credit quality, and achieving lending objectives while ensuring safety and soundness.

The role requires 10–15 years in consumer lending leadership, with a strong track record of building growth-focused programs and strong regulatory compliance.

Competenze

• Ten to fifteen years of experience in consumer lending leadership.
• Strong understanding of consumer, commercial, and real estate lending practices.
• Proven ability to develop lending strategies and drive growth.

Mansioni

• Lead strategic direction and growth of consumer lending functions.
• Oversee portfolio performance, risk management, and regulatory compliance.
• Develop lending strategies aligned with organizational objectives.
• Collaborate with Risk, Finance, and ALM teams to balance growth and quality.
• Drive process improvements and fintech partnerships to enhance efficiency.

Conoscenze

Consumer lending

Leadership

Regulatory compliance

Portfolio management

Analytics

Formazione

Bachelor’s degree in Business Administration/Finance/Banking

Strumenti

Microsoft Office

Descrizione del lavoro

Company Description

Since 1936 PenAir® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it. These guiding principles are Respect, Service, and Communerosity® and they’re woven throughout our culture.

PenAir is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $2.8 billion in assets, our purpose is to enhance the lives of those we serve in the Florida Panhandle, Southern Alabama, and Virginia.

Careers

Do you have a passion for helping others?
Currently, PenAir provides access to 15 convenient locations across Mobile and Baldwin counties in Alabama and Escambia, Santa Rosa, Okaloosa and Bay counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too.

Join the team. You’ll fit right in.

Take control of your future by mapping out a career at PenAir. Working with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air! Success looks different for everyone. Where will your journey take you?

The PenAir difference.

Just like we strive to be a force for good at work, PenAir works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits.

Holistic Amenities:

Up to $15K available for continuing educationStudent Loan PaydownAdoption Assistance ReimbursementWellness ProgramsGym membership reimbursementFormal Career Development ResourcesFinancial Wellness ResourcesPurchase assistance with computers and fitness equipment.

Benefits Package Highlights:

Generous PTO Plan—20 days for new hiresPaid Maternal & Parental LeaveCompetitive Retirement PlanCompetitive medical, dental & vision plansCompany paid Telehealth services.Company paid Short Term Disability

And more……….!

About the role:

Leads the strategic direction, growth, profitability, risk management, and operational performance of all consumer lending functions, including direct, indirect, unsecured, credit card, and other consumer loan products. Responsible for portfolio performance, loan production, credit quality, processes, regulatory compliance, and achievement of organizational lending objectives. Partners with executive leadership to develop lending strategies that support sustainable growth, asset quality, earnings, and balance sheet objectives while ensuring safety and soundness.

Major Duties and Responsibilities:

Develops and executes multi-year consumer lending strategies aligned with the Credit Union's strategic plan. Identifies emerging market opportunities, member needs, and competitive trends. Leads development of annual lending production, yield, penetration, and profitability targets. Assesses market conditions and adjusts lending programs to maintain competitiveness while achieving risk-adjusted return objectives. Establishes metrics for funded loan conversion, application pull-through rates, and member satisfaction.Directs ongoing monitoring of consumer loan portfolio performance including delinquency, charge-offs, recoveries, concentrations, risk-adjusted returns, and underwriting quality. Analyzes portfolio trends and recommends changes to underwriting standards, pricing, loan structures, dealer relationships, and credit risk strategies. Partners with Risk Management, Finance, and ALM teams to balance loan growth, yield, liquidity, and credit quality objectives. Presents portfolio performance, lending trends, and strategic recommendations to executive management, ALCO, and Board committees.Drives automation and process improvements to enhance efficiency, member experience, and scalability. Evaluates and implements fintech partnerships, credit decisioning tools, third party solutions, and other technologies supporting consumer lending growth and efficiency. Monitors and oversees key vendor relationships impacting consumer lending.Provides leadership and development for consumer lending managers and teams. Builds succession plans for critical lending functions. Establishes performance expectations and accountability measures. Promotes a culture focused on growth, member experience, continuous improvement, compliance, and risk management.Ensures the Credit Union is in compliance with all consumer lending regulations; maintains current and appropriate policies and procedures that ensure compliance with regulatory, legal and all program requirements. Works closely with Compliance and Risk Management to identify and mitigate consumer lending risks.Performs other job-related duties as assigned.

Minimum Qualifications:

Experience

10 to 15 years of progressively responsible experience in consumer lending, including leadership experience overseeing consumer lending operations, strategy, and portfolio performance.

Education/Certifications/Licenses

Bachelor’s degree in Business Administration, Finance, Banking, or a related field required. Advanced degree preferred.

Interpersonal Skills

The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust. Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position.

Other Skills:

Must have in-depth understanding of and ability to interpret regulations affecting lending programs.Extensive knowledge of consumer, commercial and real estate lending practices and procedures.Demonstrated proficiency in Microsoft Office applications and other business systems necessary to analyze data, monitor portfolio performance, and support strategic decision-making.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Equal employment opportunity, including veterans and individuals with disabilities.

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