Vice President of Business Credit

Description

Are you looking for an opportunity to let your skills shine? Come join the team at Copper State Credit Union! We aren't so small that growth opportunities are scarce and we aren't so big that you'll get lost in the shuffle. With only 140 employees, we are able to offer similar products and services as our larger competitors, but on a more personalized scale, both with our members and our employees.

This approach provides our employees the opportunity to get involved in the organization in a way they may not be able to, in the corporate world. At Copper State Credit Union, we value the contributions of our employees and actively look for ways to be collaborative, within all levels of the organization. Here, you will have the opportunity to roll up your shirtsleeves, put your unique skills to work, and have a voice in developing your role from the ground up.

As the Vice President of Business Credit, you will:

• Assist the credit union in meeting its overall business plan goals and maximizing loan profitability within the capital risk limitations of the credit union. Assist in expanding credit product offerings and create efficiencies in the credit union’s credit delivery and risk monitoring processes.
• Accountable for all aspects of the credit union’s business credit department, including the underwriting and loan review analysis process, and all functions providing lending support, direction, credit information, and loan policies, procedures and processes to ensure the overall quality of the credit union’s business lending portfolio.
• Formulate, revise, and implement the credit union’s business loan policies, procedures and practices. Work closely with lending personnel to ensure the credit union’s policies, procedures and processes are adhered to and all loan presentation approvals are thorough and concise.
• Ensure that proposed loans adhere to existing policy guidelines and are sufficiently documented to ensure security of collateral and that administration and review are adequate to maintain the credit union’s loan portfolio quality and profitability. Conduct periodic analysis of loan concentrations that adheres to regulatory guidance and credit union policy.
• Ensure consumer lending functions exceed member service expectations by understanding the credit union organizational goals and key performance indicators and taking the necessary actions to achieve the desired results in the areas of member service quality, loan growth, and internal/external audits.
• Establish controls and training programs to ensure underwriting, asset quality, and compliance with designated laws, rules and regulations are developed, implemented and revised as appropriate, and serve as the foundation for coordinating the credit union’s credit underwriting, delinquency follow-up and loan portfolio quality.
• Recommend approval of loans over assigned lending authority ensuring that loans are risk rated correctly when reviewing loans for Loan Committee submission. Reviews consist of making recommendations on loan structure, terms, and pricing so as not to expose the credit union to undue credit risk and provide technical guidance to lending personnel in the interpretation of data.
• Serve as the Loan Committee Chairman. Prepare the agenda and lead the Loan Committee. Attend the meetings of the Board of Directors as needed, attend all Risk Management Committee meetings, and participate in other committees designated by the President and CEO.
• Direct the internal loan review function and coordinate the external loan review activities in coordination with the Board of Directors’ Supervisory Committee designed to evaluate credit risk and maintain the integrity of the CU’s credit rating system. Work proactively and…