AVP of Loan Participations

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Salary Range: $ To $ Annually

Reports To :
Chief Lending Officer

Classification :
Exempt

Rogue Credit Union is a member-owned, not-for-profit financial cooperative headquartered in the Rogue Valley located in beautiful southern Oregon. Providing services to our members in select Oregon, Idaho and California counties. We strive to make an impact in the communities we serve by living, giving, and supporting local. Our mission is to provide exceptional member experiences that build mutually beneficial relationships to create the most loyal members in the nation.

Here at Rogue, we believe in having a culture of happy team members who feel supported, have the chance to grow their careers, and LOVE where they work!

The Assistant Vice President of Loan Participations is responsible for leading the strategic direction, development, and performance of the credit union's loan participation program, including both loan sales and purchases. This role manages key external partnerships and oversees participation activities to support balance sheet strategy, liquidity management, and risk diversification while ensuring alignment with the credit union's mission and member-first approach.

The AVP collaborates closely with leadership, Finance, Accounting, and lending teams to evaluate portfolio composition, identify opportunities, and ensure appropriate risk distribution. This role is accountable for regulatory compliance, operational effectiveness, and governance of participation activities, while providing reporting and analysis to executive leadership to inform decision-making. Through strong leadership and cross-functional collaboration, the AVP promotes accountability, efficiency, and continuous improvement across the program.

• 30% Participates with the development and manages execution of the loan participation strategy, including identifying opportunities for loan sales and purchases to optimize balance sheet performance, manage concentration risk, and support liquidity objectives. Oversees the ongoing evaluation and management of third-party loan purchase programs, ensuring that loan purchase and participation activities remain consistent with the credit union's mission to serve its members and do not disproportionately displace lending capacity available to Rogue's core membership.
  
  Manages transitions, adjustments, or wind-downs of existing external commitments as needed.
• 20% Develops and maintains strong relationships with credit union partners, fintechs, CUSO partners, and participation networks. Negotiates participation agreements and manages flow purchase arrangements, ensuring all partnerships are mutually beneficial and aligned with the credit union's financial and strategic objectives. Regularly evaluates the performance and value of ongoing external relationships and is responsible for identifying when a partnership is no longer serving the credit union's best interests.
  
  In such cases, the AVP makes formal recommendations to executive leadership to restructure, resolve, or discontinue the relationship.
• 15% Partners with Finance, Lending, and Credit teams to analyze portfolio composition, loan performance, and risk exposure. Evaluates the sale or purchase of loan assets, always prioritizing member service and alignment with the credit union's strategic focus. Recommends participation strategies based on data-driven insights and current market conditions.
• 10% Prepares and delivers regular reporting to ALCO and executive leadership, including quarterly updates on participation activity, portfolio performance, yield, liquidity impact, and risk metrics. Provides actionable insights and strategic recommendations based on portfolio trends.
• 10% Ensures full compliance with all regulatory requirements - including NCUA Part 701.22 - accounting standards (GAAP/CECL), and internal policies related to loan participations. Maintains appropriate documentation and audit…