SVP, Consumer Lending

HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; leverages resources; and engages in advocacy that strengthens the financial health of people in under-resourced Deep South communities. Since 1994, these efforts have benefited more than three million people in Alabama, Arkansas, Georgia, Louisiana, Mississippi, and Tennessee, and influenced billions in persistent poverty communities across the nation.

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Reports To: Chief Retail Officer

Supervises: Consumer Underwriting, Consumer Sales, Quality Control, Collections, Portfolio Management

Job Classification: Full-time, Exempt

Location: Jackson, MS

The Senior Vice President, Consumer Lending is responsible for the strategic leadership, growth, profitability, operational excellence, and risk management of the credit union's consumer lending division. This individual oversees the entire consumer lending lifecycle, including loan origination, underwriting, processing, funding, servicing, collections, portfolio management, and indirect lending programs. The SVP is accountable for developing and executing lending strategies that drive loan growth, enhance member relationships, optimize portfolio performance, improve operational efficiency, and ensure regulatory compliance.

This leader partners across the organization to deliver exceptional member experiences while balancing growth objectives with sound credit risk management. The SVP serves as the executive champion for all consumer lending activities and is responsible for achieving loan production, quality, profitability, and service goals.

• Develop and execute the credit union's consumer lending strategy.
• Lead all aspects of direct, indirect, and digital consumer lending.
• Align lending initiatives with the overall strategic plan.
• Establish and execute annual and long-term consumer lending growth strategies aligned with organizational goals.
• Achieve loan production, portfolio growth, profitability, and return objectives.
• Optimize portfolio performance while maintaining appropriate risk parameters.
• Partner with executive leadership to identify and implement lending growth initiatives.
• Evaluate market trends and competitive opportunities to expand lending programs.
• Drive innovation in lending channels, products, and member experiences.
• Develop and manage the consumer lending budget.
• Evaluate pricing and product profitability.
• Oversee all consumer lending operations from application through funding.
• Manage lending-related expenses and operational efficiency.
• Optimize staffing, workflow, technology, and process efficiency to improve turnaround times and member satisfaction.
• Monitor operational performance metrics, service levels, and production goals.
• Develop sales and referral strategies that increase loan volume.
• Establish underwriting standards and credit policies.
• Ensure consistency in lending decisions across channels.
• Manage delegated lending authority programs.
• Balance growth objectives with prudent credit risk management.
• Review and recommend policy changes to support business objectives.
• Monitor portfolio quality and credit trends.
• Support achievement of overall organizational financial goals.
• Oversee credit exception reporting and risk mitigation strategies.
• Lead digital lending strategy to enhance member experience, increase adoption, and streamline end-to-end lending processes.
• Monitor member satisfaction and continuously improve ease of doing business across lending channels.
• Other duties as assigned
• Oversee indirect lending programs and dealer relationships.
• Develop strategies to increase indirect loan production.
• Monitor dealer performance and…