VP of Consumer Lending

SAN-Antonio-Citizens-Federal-Credit-Unio; San Antonio (FL); On-site; USD 160,000 - 260,000; Full time

Benefits offered by this job

Medical coverage

Dental coverage

Vision coverage

401(k)

Life Insurance

FSA

Paid Time Off

Snack room

Job summary

San Antonio Citizens Federal Credit Union is seeking a VP of Consumer Lending to drive strategy, growth, and credit quality across auto, unsecured, and card portfolios. The role reports to the Chief Lending Officer and collaborates with Finance, Operations, Marketing, Compliance, and Technology to improve delivery and automation.

The position requires 7+ years in consumer lending with at least 3 years in leadership, deep underwriting and risk expertise, and strong executive communication to

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 consumer lending strategy and portfolio growth, maintaining strong credit quality and risk management.
• Coordinate with Finance, Operations, Marketing, Compliance, and Technology to improve delivery and automate processes.
• Set annual goals and growth initiatives; monitor production, yield, profitability, and risk indicators.
• Ensure regulatory, audit, and exam readiness and respond to supervisory inquiries.

Skills

Lending leadership

Underwriting expertise

Portfolio analytics

Regulatory knowledge

Executive communication

Stakeholder management

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.