AVP Consumer Loan Operations

COMMUNITY FIRST CREDIT UNION OF FLORIDA•Jacksonville, FL

9h•Onsite

About The Position

Responsible for the consumer and indirect lending portfolio underwriting, processing and compliance, as well as the consumer loan origination system. Oversee the prompt underwriting and processing of all consumer loan applications obtained through all origination channels - branches, on-line and by phone. Oversee development of strong dealer relationships, underwriting teams (direct and indirect), and efficient documentation and funding processes resulting in achieving organizational consumer production goals. Possess strong conceptual thinking, problem-solving, analytical, and leadership skills.

Requirements

8-10 years of related experience including leadership in consumer lending, underwriting, or lending operations.
Strong analytical, leadership, problem-solving, and communication skills.
Expertise in consumer lending and operational processes.
Must be capable of regular, reliable and timely attendance.

Nice To Haves

Bachelor's degree preferred.

Responsibilities

Review and analyze underwriting policies and procedures and ensure underwriting activity is consistent and up-to-date with current regulations and internal controls.
Utilizes data to effectively manage individual underwriting adherence to policy and ALCO credit risk tolerance.
Works closely with underwriters and utilizes various reports and trends to ensure underwriting is consistent and looking for additional opportunities for sales staff to offer.
Oversee the department with management of the day-to-day consumer loan operation, providing leadership, guidance and coaching of the staff.
Develop and recommend lending policies and products.
Monitor and analyze economic conditions affecting the loan portfolio performance in order to recommend appropriate action.
Set the department's strategic plans to align with the credit union's business plan.
Establish and ensure the implementation of target goals for all areas of the department.
Assist in establishing and monitoring the department's annual budget.
Research and evaluate feasibility of new lending products.
Develop and implement plans for expansion of lending programs.
Keep abreast of changes in the industry and change in trends in lending and in loan original systems.
Analyzes and completes regularly scheduled loan reports.
Develop procedures and reporting tools for effective communication to flow through department and affected individuals.
Maintain up-to-date knowledge of the market's rates, terms, products and trends relating to consumer lending.
Provide timely feedback that allows time for the credit union to react competitively.