Assistant Vice President of Lending

County-City Credit Union is seeking an experienced and motivated Assistant Vice President of Lending to help lead our lending operations and support our mission of providing exceptional financial services to our members and communities.

This position offers an exciting opportunity for a lending professional who enjoys a combination of leadership, consumer and mortgage lending, portfolio management, compliance oversight, and business development. The AVP of Lending position is intended to develop the knowledge, leadership skills, and operational experience necessary to support future advancement into the Vice President of Lending role while contributing to the growth, quality and performance of the lending department and mortgage and consumer loan portfolios.

• Maintain comprehensive knowledge of Credit Union products, services, systems, and lending procedures.
• Assist with the development and delivery of loan training for staff, including procedures, compliance expectations, lending systems, documentation standards, and member service practices.
• Keep the Vice President and Senior Loan Officer fully informed of lending activity, portfolio trends, member concerns, compliance matters, operational issues, and recommendations for improvement.
• Assist in preparing monthly and quarterly reports for the Supervisory Committee and other internal reporting needs.
• Prepare, develop, and analyze relevant lending reports, including loan officer production, risk-based lending, high-priced mortgages, delinquent loans, charged-off loans, paid-ahead loans, and other reports necessary to monitor lending performance and risk.
• Stay abreast of changes in the industry, regulations, or market trends that could impact the credit union and discuss with Vice President and Sr. Loan Officer.
• Assist with budgeting, forecasting, and strategic planning related to loan growth, interest income, staffing needs, product development, and lending technology.
• Assist with vendor relationships, system enhancements, audit preparation, exam readiness, and follow-up on lending-related findings or recommendations.
• Provide leadership support to the lending staff by serving as a resource for complex loan questions, member escalations, underwriting guidance, and procedural consistency.
• Recommend, assist in developing, and support implementation of innovative lending programs, products, services, and process improvements for Credit Union; and support the ongoing maintenance, updates, and staff use of the programs, products, services and processes after implementation.
• Foster a culture of accountability, teamwork, and excellent customer service.
• Make suggestions for improvement of lending processes, efficiency, and customer experience.
• Assist in recruitment, onboarding, and training of lending staff.

• Interview loan applicants and assist members throughout the loan application process. Ensure applications are complete and that all required disclosures, documentation, and supporting information are provided accurately, timely, and in compliance with applicable requirements.
• Obtain, review, and evaluate credit bureau reports, including verification of debts and account information. Analyze applicant qualifications, including debt-to-income ratios, collateral, creditworthiness, lending criteria, and ability-to-repay requirements for mortgage loans.
• Document loans within the Loan Operating System from application through closing and post-closing follow-up. Transfer approved loans to the core processing system and assist in overseeing loan-related computer processing, system accuracy, and procedural consistency.
• Originate, evaluate, act upon, and close consumer, home equity, and residential first and second mortgage loans, and serve as the primary mortgage loan officer as assigned.
• Review real estate appraisals to confirm that property guidelines have been followed and that final values are properly supported and documented.
• Request and review flood determinations to identify whether collateral property is located in a flood zone and provide appropriate disclosures and documentation to members based on the determination.
• Approve, deny, or recommend action on real estate and consumer loans within established lending authority and in accordance with policy, underwriting standards, and compliance requirements.

• Maintain compliance with all applicable state and federal regulations governing mortgage, consumer, home…