Vice President,Consumer Lending Job Santa Rosa area,California USA,Finance & Banking

Redwood Credit Union is seeking a Vice President of Consumer Lending who will be responsible for driving a strategic plan and directing all consumer lending activities for Redwood Credit Union ("RCU"). This role is responsible for the full consumer credit portfolio (auto, personal, credit card and indirect lending) across the credit union, driving growth through digital first experiences, modernizing lending through technology, and deepening Member relationships through data-driven personalization.

Emphasis is placed on providing excellent Member experiences, significantly growing the business (while minimizing loan-loss exposure), recruiting, developing, and retaining superior team members, and managing sound, compliant lending operations.

Key Responsibilities Executive Leadership:

o Review and identify cost-effective utilization of all resources. Lead and direct the management of human capital to ensure the availability of skills and abilities needed to meet RCU's vision, mission, values, and service doctrine.
o Serve as a member of the Leadership team, providing leadership and direction for RCU.
o Communicate with senior management regarding all aspects of consumer lending and consumer lending operations, procedures, policies, and strategies.
o Recognize problems, issues, and opportunities; evaluate and consider alternatives; develop, present, and recommend strategic and tactical opportunities; and make appropriate decisions.
o Attend and actively participate in Leadership team meetings, staff meetings, strategic and operational planning sessions, etc.
o Act or appoint appropriate loan operations team members as liaison to audit and compliance officers for audit and compliance concerns to ensure adherence.
o Serve on and/or direct a number of committees to strive for consensus to ensure effective interface and communication of policies, programs, and goals among lending services, other departments, and branches.
o Manage the overall development of lending through business-development programs, motivate staff to sell and market RCU, and partner with marketing and analytics to take an active role meeting Members' needs.
o Partner with IT/data teams to build and enhance lending automation, AI-driven tools, real time decisioning, and predictive analytics to improve the lending lifecycle.
o On behalf of RCU, "own" the end-to-end borrower experience including the relationships with key assigned vendor partners such as Savvy Money, Meridian Link and CU Direct.
o Evaluate and implement vendor partnerships to drive growth, improve speed, delivery and Member Experience.
o Participate in and represent RCU at internal and external events, conferences, and community functions. Additionally, provide leadership and participation in industry trade groups, advisory boards, etc.

Program Management:

o Recruit, select, train, motivate, coach, mentor, and evaluate reporting staff.
o Lead and direct all consumer loan activities: origination, processing, underwriting, and the closing/funding of all consumer loans and credit cards.
o Design and execute lending strategies that increase Member engagement and product adoption.
o Partner with Marketing and branch teams on referral programs, relationship-based pricing and Member engagement initiatives.
o Hands-on experience or strong working knowledge of AI/Machine Learning applications used in lending as well as a deep understanding of pre‑approval execution.
o Develop and implement loan pricing (via ALCO) and portfolio management strategies that will meet or exceed return on asset targets while meeting loan growth goals.
o Evaluate lending products, policies, procedures, practices, documents, and forms to assure efficiency, compliance, and Member service.
o Provide exceptional service to all external and internal Members and clients.
o Continually assess the competitiveness of all programs and practices against the relevant comparable companies, industries, and markets; balance the needs of RCU and the needs of Members.
o Establish and maintain credibility throughout RCU by being an effective listener and problem solver for team members on all lending related issues.
o Collaborate with VP Payments to ensure a robust credit card offering with programs that put our card "top of wallet" such as line increases, rewards, and balance transfers to continue to strategically grow our card portfolio.

Controlling:

o Lead the consumer lending team to properly review, approve, decline, and counter all loans within policy and…

Vice President, Consumer Lending