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VP Consumer Lending
Job in
Little Rock, Pulaski County, Arkansas, 72208, USA
Listed on 2025-12-15
Listing for:
BOSTON TRUST WALDEN COMPANY
Full Time
position Listed on 2025-12-15
Job specializations:
-
Finance & Banking
Risk Manager/Analyst, CFO -
Management
Risk Manager/Analyst, CFO
Job Description & How to Apply Below
Overview
VP Consumer Lending at Arkansas Federal Credit Union.
Location:
Little Rock, AR. Job : . Type:
Regular Full-Time. Category:
Lending. Primary responsibilities include leading and coaching the Consumer Lending team, ensuring outstanding service to members, overseeing Direct and Indirect Loan Underwriting, balancing risk and reward in credit decisions, and driving loan portfolio performance within regulatory and policy guidelines.
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Monitor daily activity within Consumer Lending (direct, indirect, merchant, and student lending). Address policy questions and maintain loan exception authority. Current portfolio includes significant direct and indirect loans and credit cards.
- Ensure direct consumer loans are underwritten promptly and in accordance with guidelines; document exceptions within established authority.
- Ensure underwriting channels are integrated and performing to exceed member and dealer expectations.
- Monitor market conditions to keep pricing fair and competitive.
- Develop relationships with auto, marine, motorcycle, and RV dealers to achieve forecasted origination and revenue goals; manage dealer contact across varied hours.
- Demonstrate mastery of Consumer Loan Underwriting and underwrite/process employee and credit union official loan applications.
- Underwrite and determine credit worthiness (Approve, Decline, Counter Offer) within authority.
- Maintain awareness of security standards, mortgage regulations, and applicable title laws; stay current on Arkansas and out-of-state title registration.
- Analyze and maintain underwriting policies, procedures, and processes for compliance and efficiency.
- Recommend and develop policy changes; ensure up-to-date Credit Scoring system reflects risk/reward.
- Address issues with members, dealers, and third parties as they arise; communicate regarding loans or collateral.
- Advise SVP-Consumer Lending and EVP-Chief Lending Officer on unusual complaints or inquiries.
- Administration, Community Involvement
- Monitor, interpret and communicate Lending Regulations relevant to Direct Consumer Loans.
- Educate lending staff on new opportunities, service philosophies, and workflow enhancements.
- Participate in Lending Lunch and Learn and continued staff training.
- Prepare and analyze weekly/monthly loan workflow reports and daily audit reviews.
- Foster positive relationships among service center lending staff, Member Development, and underwriters/officers.
- Serve on the Loan Review Committee as assigned.
- Oversee maintenance of data processing systems for Direct Lending ( Meridian Link, Dealer Track, Route One, CUDL, Glia, Lending Express); implement changes timely.
- Assist in Annual Plan/Budget preparation; lead staff meetings to streamline workflows.
- Coordinate training for staff; assign and review work; coach on auditing findings and policy changes.
- Ensure accurate timekeeping, PTO, and holiday hours; maintain a positive, productive work environment.
EDUCATION AND EXPERIENCE
Broad knowledge in accounting, marketing, business administration, finance, etc. Equivalent to a four-year college degree, plus 7 years related experience and/or training, and 5 years related management experience, or equivalent combination of education and experience.
PREFERRED SKILLS
- Proficient in Meridian Link
- Familiar with Fiserv DNA
- Knowledgeable with indirect auto lending
- Previous leadership experience in the consumer lending industry
PI
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