Vice President Consumer Lending

## Vice President Consumer Lending Apply locations:
Sandy, UTtime type:
Full time posted on:
Posted 2 Days Agojob requisition :
R20408#
** Please reference the schedule and minimum qualifications listed below before applying.
** If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at  option 1 or email  and every reasonable effort will be made to accommodate your needs in a timely manner.#
** Job Summary
** The Vice President Consumer Lending provides executive leadership for Mountain America’s Direct Consumer Lending organization, translating enterprise priorities into accountable business performance, portfolio outcomes, profitability, operational execution, regulatory readiness, and sustainable growth. This role oversees direct and indirect reporting relationships, develops future-ready talent, and partners across the credit union to strengthen alignment, execution discipline, and member-focused results.#
** Job Description
**** SCHEDULE
* * Full-Time
** LOCATION
* * Mountain America Center
9800 S Monroe StSandy, Utah To be effective, an individual must be able to perform each job duty successfully.
* Shape the future-state Direct Consumer Lending strategy by aligning products, channels, technology, risk, and member experience priorities to support sustainable enterprise growth.
* Develop and execute annual and long-term strategies that support member growth, loan growth, profitability, and portfolio performance.
* Create and maintain an organizational culture focused on exceptional member experiences, accountability, ownership, innovation, and continuous improvement.
* Ensure responsible management of portfolio performance, credit quality, profitability, and emerging credit risk indicators through proactive monitoring and predictive insights.
* Advance the responsible use of data, predictive analytics, automation, and AI-enabled decisioning to improve speed, consistency, risk management, personalization, and member outcomes.
* Lead the evolution of digital and omnichannel lending experiences to simplify the member journey, improve approval and funding speed, and increase adoption of self-service and assisted-service capabilities.
* Oversee operational performance and ensure service standards are consistently achieved.
* Partners across Lending, Member Service, Technology, Marketing, Asset Management, Loan Servicing, Finance, Enterprise Risk, Fraud, Compliance, and other functions to align priorities, improve execution, and achieve organizational objectives.
* Provide executive oversight for compliance and risk management across Direct Consumer Lending, including adherence to applicable CFPB and NCUA requirements, credit union policies, internal audit findings, and remediation activities.
* Maintain and exercise formal lending authority consistent with established credit union policy, risk appetite, approval limits, and governance expectations for consumer lending decisions.
* Support regulatory governance through appropriate controls, reporting, issue resolution, and board-or regulatory-ready documentation in partnership with Enterprise Risk, Compliance, Legal, Internal Audit, and executive leadership.
* Allocate resources, establish execution discipline, and monitor progress against strategic and operational priorities.
* Enhance organizational efficiency by eliminating complexity and creating scalable operating models.
* Evaluate market conditions, industry trends, competitive offerings, and emerging technologies to identify growth opportunities.
* Develop and maintain strategic vendor partnerships, ensuring products, technologies, and services align with business objectives, support member experience goals, and deliver long-term value to the credit union.
* Build future-ready lending talent by developing leadership capability, digital fluency, analytical judgment, change readiness, and succession depth across the Consumer Lending organization.
* Perform other duties as assigned.
** KNOWLEDGE, SKILLS, and ABILITIES
** The requirements listed are representative of the knowledge, skills, and/or abilities required.  Reasonable accommodation may be made to enable individuals with disabilities to perform the essential job functions.
** Experience
* ** 10 years of progressive consumer lending leadership experience, including strategy, portfolio performance, risk management, and team leadership.
* Executive leadership experience in a banking, credit union, or financial services environment with accountability for business performance, member/customer experience, and regulatory expectations.
** Education
* ** Bachelor’s degree in Business, Finance, Economics, Management, or related field; or an equivalent combination of education and significant executive-level consumer lending, financial services, or business leadership experience.
** Licenses, Certifications, Registrations
*** N/A; relevant lending, risk, compliance, or…