Vice President, Consumer Loan Operations

We’re always looking for diverse, talented, service-oriented people to join our exceptional team.

Vice President, Consumer Loan Operations Scheduled Weekly

Hours:

40

Salary range: $190,000-$245,000 base, plus incentive eligibility.

What You’ll Be Doing Leads consumer loan underwriting, processing, funding, operational quality, and business systems supporting direct and indirect lending. Accountable for timely and accurate execution, consistent application of approved credit strategies and delegated authorities, effective first-line controls, operational scalability, system effectiveness, and coordinated handoffs across the end-to-end Member journey. Partners with Consumer Loan Originations , Consumer Loan Servicing, Risk, Compliance, Technology, Data, Finance, and other enterprise functions to deliver responsible lending outcomes and an exceptional Member experience.

Collaborates with the SVP, Consumer Lending and senior leadership to establish and execute the strategy, goals, and priorities for consumer loan underwriting, processing, funding, operational quality, and lending systems.

Builds and leads a high-performing organization of managers and specialized teams across underwriting, processing, funding, and business systems to achieve Credit Union objectives.

Leads the timely, accurate, consistent, and compliant execution of direct and indirect consumer loan underwriting, processing, and funding activities.

Owns the design and continuous improvement of operating procedures, service-level expectations, controls, and handoffs across underwriting, processing, funding, and consumer lending systems to improve efficiency, accuracy, scalability, and the Member experience.

Establishes and monitors performance measures across underwriting, processing, funding, and lending systems, including decision turnaround time, processing and funding cycle time, right-the-first-time quality, productivity, rework, backlog aging, service-level attainment, funding timeliness, Member effort, operational incidents, and control effectiveness.

Leads the consistent execution of approved credit strategies, underwriting guidelines, exception practices, and delegated authorities. Partners with the SVP, Consumer Lending, Compliance, Finance, and other stakeholders to evaluate credit performance and recommend changes to credit strategies, policies, decision rules, and authority structures.

Establishes governance for underwriting authority, exception management, reconsideration practices, and decision quality to promote sound judgment, consistent Member treatment, and adherence to approved lending standards.

Partners with Credit Risk, Enterprise Risk Management, Compliance, Data, and Technology to support appropriate governance of automated decisioning and artificial intelligence, including decision quality, model performance, data integrity, explainability, fair-lending outcomes, exception trends, change controls, and appropriate human review.

Establishes an integrated operational quality framework across underwriting, processing, funding, and lending systems. Ensures quality findings, errors, complaints, exceptions, audit issues, and control breakdowns are analyzed for root causes and addressed through sustainable corrective action.

Maintains effective first-line controls across underwriting, processing, funding, and lending systems. Identifies, evaluates, and manages credit-execution, operational, compliance, fraud, technology, data, third-party, conduct, and reputational risks within the area.

Ensures consumer loan operations are executed in accordance with approved policies, procedures, controls, and applicable requirements.

Represents Consumer Loan Operations in audits, examinations, compliance reviews, risk assessments, and control-testing activities. Ensures requested documentation is accurate and timely and that findings are addressed through clearly owned, sustainable corrective-action plans.

Serves as the senior business owner for consumer lending operational systems. Defines business requirements and priorities; partners with Technology, Data, Risk, Compliance, and operational stakeholders; supports testing and implementation readiness; and evaluates adoption, system performance, control effectiveness, and realized business benefits.

Leads complex operational, credit, process, and technology changes by defining desired outcomes, assessing operational impacts, engaging stakeholders, establishing readiness and training plans, monitoring adoption, and…