AVP Lending Operations & Credit Management

Canvas•Lone Tree, CO

1d•Onsite

About The Position

The AVP of Lending Operations and Credit Management is responsible for overseeing consumer lending operations and credit risk management for Canvas Credit Union’s multi-billion-dollar portfolio, with a focus on direct and indirect loan underwriting, loan processing and operations, and credit analysis. The AVP acts as an assistant credit officer, ensuring exceptional member service, operational integrity, and strategic alignment with organizational goals. They will oversee consumer loan underwriters, lending services specialists, loan operations specialists, title specialists, and leaders in those respective lines of business. They are responsible for maintaining a highly motivated, well-trained staff to provide exceptional member service and meet the financial needs of our members while balancing credit risk for the consumer loan portfolio. As a member of management, they will provide leadership in meeting strategic goals and objectives.

Requirements

Track record of leading and coaching teams to higher results, including consumer lending excellence, consistent delivery of exceptional service, and operational integrity.
Strong people management skills; able to build and foster teamwork; coach, train and develop employees.
Comprehensive knowledge and understanding of consumer lending products, processes, procedures, and regulatory compliance.
Excellent verbal, written and interpersonal communication skills with the ability to explain programs, loan terms, features, policies and benefits to customers and business partners.
Advanced knowledge and understanding of Canvas financial products and services.
Excellent analytical, problem solving and decision-making skills.
Strong attention to detail and excellent organizational skills; ability to manage multiple priorities.
Must be proficient in MS Office (Outlook, Excel, Word, CoPilot)
Ability to calculate APY, APR, DTI, LTV, and other key measures of credit risk.
Ability to maintain confidences and handle sensitive information.
Must possess and maintain a valid Colorado drivers’ license and provide proof of insurance.
Bachelor’s degree in business, finance/accounting, economics or related field required, or equivalent work experience of seven to ten years.
Minimum of eight to twelve years of consumer lending management/leadership experience; experience in both commercial and residential mortgage lending is preferred.

Responsibilities

Oversee, develop, and lead lending operations and credit risk teams, and maintain effective credit analysis practices to meet loan production and portfolio yield objectives.
Create a positive work environment and ensure optimum staffing.
Provide strategic direction and leadership to staff with emphasis on delivering excellence in member service, achieving consumer lending goals, and teamwork.
Responsible for all management functions including hiring, training, conducting monthly one-on-ones, performance management, scheduling, cross-training and succession planning, timekeeping, etc.
Select and provide for the continuing development of subordinate leaders and team members.
Conduct annual performance reviews, and provide ongoing guidance, training, and direction to leaders in developing and implementing the Credit Union’s plans and objectives.
Promote cost consciousness and fiscal responsibility.
Oversee the consumer loan application decision processes and milestones throughout closing, documentation processes, and funding.
Review and analyze organizational business needs; confer with users to evaluate requirements and discuss solutions using technology enhancements to develop plans of approach.
Build relationships and promote the achievement of Canvas Credit Union’s strategic objectives with business partners, regulatory and governing entities, credit unions, CUSOs, and internal managers.
Work as a liaison to our indirect CUSO and partner with participating credit unions to determine and implement new strategic initiatives that support all participating credit unions to align with the lending strategies established for the program.
Recommend, create, and maintain accurate reporting of portfolio risk variances and trends; interpret and present on lending and financial reports, report to the Executive Team and Board of Directors on the performance of Canvas’ loan portfolios.
Manage credit risk analysis and underwriting standards to ensure consideration of capacity to pay, collateral, credit quality, and other risk factors are appropriate to meet strategic objectives and financial goals.
Ensure effective administration and regulatory compliance of loan policies, programs, objectives, and goals.
Partner with other leaders in managing dealer relationships and indirect portfolio management.
Work collaboratively with other departments to achieve common credit union initiatives.
Recommend procedures and policies related to consumer lending.
Ensure the application of, and compliance with regulation, policies, procedures, and operational integrity.
Comply with Bank Secrecy Act (BSA) and other compliance requests and requirements.
Suggests ways to improve the member experience through improved processes and technology.
Support credit union initiatives and consumer lending promotions.
Provide strategic direction on operational issues, procedures, employee development and goal setting.
Recommend procedures and policies related to consumer lending.
Assist in training branches on consumer loan features, rules, and regulatory issues.
Provide related analysis for recommended adjustments to controls and models.
Assist in resolving complaints relating to loan products and services offered.
Actively promote and contribute to the achievement of departmental, branch and organizational goals.
Keep informed on developments and trends in the financial services industry.
Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs.
Follow all safety and security guidelines to properly safeguard member and organization assets.
Embrace ongoing education and learn/apply new skills and software applications.
Regular attendance and punctuality are essential functions of the job.
Perform other job-related duties as assigned.
Pre-employment background review (components include criminal, employment, address, social security number, motor vehicle record, global sanctions, and sex offender).