VP of Consumer Lending

San Antonio Citizens Federal Credit Union; San Antonio (FL); On-site; USD 180,000 - 240,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401(k)

Life Insurance

Flexible Spending Account (FSA)

Paid Time Off

Snack room

Job summary

San Antonio Citizens Federal Credit Union is seeking a VP of Consumer Lending to provide senior leadership for the consumer lending strategy, portfolio growth, credit quality, and member experience. You will oversee auto lending, unsecured lending, credit cards, and related programs, reporting to the Chief Lending Officer.

Responsibilities include setting goals, evaluating market conditions, and collaborating with Finance, Operations, Marketing, Compliance, and Technology to improve delivery and

Qualifications

• 7+ years progressive consumer lending experience; 3+ years people leadership.
• Expertise in underwriting, portfolio analytics, pricing, credit risk, and regulatory expectations.
• Strong executive communication and stakeholder management.

Responsibilities

• Lead the consumer lending production team and partner with Finance, Operations, Marketing, Compliance, and Technology to improve delivery and automation.
• Set annual goals and growth initiatives; evaluate market conditions and lending economics; monitor production, yield, profitability, service results, and risk indicators; ensure regulatory, audit, and exam readiness.

Skills

Lending leadership

Underwriting

Portfolio analytics

Executive communication

Job description

Our Commitment

At San Antonio Citizens Federal Credit Union, we are dedicated to cultivating a culture of service excellence service standards. These service standards are important for how we engage with our members, non-members, and teammates. They reflect our core values of Dependable, Passionate, Collaborative, Empathy, and Community, supporting our vision to empower dreams and our mission to leverage our collective resources to help one another thrive.

Role Summary

The VP of Consumer Lending provides senior leadership for consumer lending strategy, responsible portfolio growth, credit quality, financial performance, and the member lending experience. Reporting to the Chief Lending Officer, this role leads direct and indirect auto lending, unsecured lending, credit cards, and other programs as assigned.
Key responsibilities include setting annual goals and growth initiatives; evaluating market conditions and lending economics; recommending products, pricing, underwriting, and policy enhancements; monitoring production, yield, profitability, service results, and risk indicators; and ensuring regulatory, audit, and exam readiness. You will lead the consumer lending production team, strengthen coaching and performance management, and partner with Finance, Operations, Marketing, Compliance, and Technology to improve delivery and automation.
Required qualifications:

• 7+ years progressive consumer lending experience; 3+ years people leadership
• Expertise in underwriting, portfolio analytics, pricing, credit risk, and regulatory expectations
• Strong executive communication and stakeholder management

If you’re ready to lead responsible growth and measurable results, we welcome your application.

A Typical Day

Your day begins onsite at the San Antonio, FL Operations Center by reviewing dashboards for prior-day funding, pipeline movement, and member experience signals. You align with the CLO on priorities, then huddle with managers to confirm staffing coverage and remove obstacles impacting turnaround time.
Midday, you translate trends into decisions—pressure-testing pricing or channel performance, preparing concise executive updates, and coordinating with Finance and Compliance to validate assumptions and controls. You’ll also meet with Marketing and Technology to refine member communications and workflow automation.
Later, you focus on leadership: calibrating coaching plans, reviewing quality themes from the team, and ensuring escalations are documented and routed within delegated authority. The day closes with clear next steps, measurable targets, and a steady focus on responsible lending outcomes.

Total Rewards

Medical, Dental, and Vision coverage; 401(k); Life Insurance; Flexible Spending Account (FSA); Competitive Salary; Paid Time Off; and a Snack/Drink Room.