Credit Union:

Seattle Credit Union

Region:

Remote

Closing:

10/31/2024

Learn More

Job Description:

JOB TITLE: Assistant Vice President (AVP), Consumer Lending

Functional Area: Consumer Lending

Department:  Consumer Lending

FLSA Status:  Exempt

WHAT YOU WILL DO:

  • Demonstrate business leadership by formulating objectives, practices and policies that further short-term and long-term credit union goals.
  • Effectively leads consumer lending personnel, including loan origination, sales, underwriting, and funding.
  • Actively participates in the on-going research and development of products and services designed to meet community financial needs.
  • Demonstrates organizational success through engagement of cross functional partnerships.
  • Ensures the KPI’s used to measure business plan objectives are met or exceeded. Adjusts as needed to align with available resources.
  • Seeks to continually improve the user experience through technology and developing efficient processes.
  • Successfully manages unexpected situations using anecdotal and factual data to resolve challenges optimally, creating win-win scenarios.
  • Demonstrates and promotes the importance of diversity, equity and inclusion and credit union values through their leadership and daily work.
  • Demonstrates a high level of proficiency in setting expectations, delegating, organizing work and coaching towards results.
  • Establishes goals and objectives that are in alignment with SCU’s strategic/operating plans.
  • Underwrites consumer loan applications and reviews higher risk applications and makes quality loan decisions on loan requests within designated loan approval limits.
  • Responsible for oversight on loan policy exceptions.
  • Build and maintain an annual budget for department expenditures.
  • Responsible for ensuring monthly, quarterly, and annual audits are completed in a timely manner and that findings are reported to the VP, Consumer Lending.
  • Represents the department during internal/external audits and exams.
  • Manages vendor contracts within areas of responsibility, works directly with vendors to ensure SCU members are receiving cost efficient and quality service.
  • Assures a qualified, trained staff. Supervises the Consumer Lending Relationship Sales Manager, underwriters, and processors including hiring, training, reviewing, scheduling and other administrative duties.
  • Responsible for adherence to internal policies and compliance with state and federal regulations as it pertains to Consumer Lending.
  • Plays a primary role in the planning and development of department programs and policies and implements same.
  • Supports, promotes and cross-sells the Credit Union products and services, and ensures that staff does the same.
  • Demonstrates high quality service that is aligned with credit union service standards. Mentors staff, so they deliver similar impact.
  • Demonstrates a commitment to Seattle Credit Union’s core values.
  • Regular and punctual attendance is required.
  • Other duties as assigned.

WHAT YOU WILL BRING:

Basic Qualifications:

  • Bachelor’s degree in a business-related field.
  • Five (5)+ years of experience in Consumer Lending; emphasis on underwriting and sales/production.
  • Three (3)+ years as a people manager.
  • Two (2)+ years in a consumer underwriting capacity.
  • Extensive knowledge of state and federal regulations and consumer lending underwriting requirements.
  • Demonstrates decisiveness, integrity, flexibility, and critical thinking that advances the team, department, and organizational success.
  • Strong communication skills. Optimally communicates with tact, discretion and courtesy to all levels of people within and outside the organization.
  • Proficient in the use of lending operating systems (LOS).
  • Demonstrates the agility to balance multiple priorities and manage a large volume in a fast-paced environment.
  • Proficiency with Microsoft Office applications (Outlook, Word, Excel, PowerPoint, Visio).

Preferred Qualifications:

  • Financial Institution background.
  • Familiarity with Temenos (Akcelerant) and Fiserv/DNA.
  • Stand-out people leader skills/abilities (seminars, webinars, specific training courses, certificates earned, etc.)

Working Conditions:

  • This is a hybrid role with work performed remotely as well as in an office and/or branch environment in the Greater Seattle area of Washington State.
  • Team members may attend special off-hour meetings and seminars.
  • The nature of work may include prolonged periods sitting at a desk and working on a computer.

Benefits:

Seattle Credit Union supports and invests in our employees.  We offer many great benefits including zero contribution medical, dental, and vision plans for our employees.  Additionally, SCU offers a generous paid time off program as well as a 401k plan with a dollar-for-dollar employer match up to 5%.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skills and/or abilities required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions