AVP Lending

Houston Police Credit Union • Houston, TX

10d • $90,351 - $112,939

About The Position

Houston Police Credit Union is recruiting an AVP Lending, with an anticipated start date of January 4, 2027. Under the strategic direction of the Chief Lending Officer, this role oversees the Mortgage Lending, Consumer Lending, and Collections departments. The AVP ensures lending and collection activities meet members’ needs, comply with applicable laws, regulations, and organizational policies, and effectively manage credit, operational, and compliance risk. The role develops, recommends, and oversees lending policies, products, processes, and strategies that support the Credit Union’s financial and strategic objectives.

The position leads department staff and managers, improves lending and collection operations and member service, monitors workflow and portfolio performance, and collaborates with senior leaders and cross-functional teams. It also contributes to vendor management and departmental budgeting. The role requires effective judgment, discretion, communication, project leadership, and the ability to manage changing priorities and work under deadlines.

Work is primarily sedentary and performed indoors in a climate-controlled shared work area with minimal noise. The employee routinely works on a computer for an average of 6–8 hours per day when necessary, operates routine office equipment, and may need to work extended hours or travel off site when required or requested by management. Physical activity includes bending, sitting, standing, occasional lifting of up to 10 pounds, and being able to use stairs in an emergency.

Requirements

• 5 to 10 years of progressively responsible experience in credit union or banking lending, including management experience leading teams and developing managers.
• Demonstrated knowledge of Consumer Lending, Mortgage Lending, Underwriting, Credit Administration, and Collections, including delinquency management and loss mitigation.
• Experience exercising lending authority, monitoring portfolio quality, improving operational efficiency, and managing departmental performance.
• Relevant Bachelor’s degree or an equivalent combination of education and experience.
• Ability to monitor managers and other direct reports, document coaching and performance feedback, and track progress toward established expectations.
• Ability to lead cross-functional projects and serve as project manager for new lending products, services, system enhancements, and process improvements.
• Strong interpersonal and communication skills, including the ability to handle sensitive or confidential discussions, motivate and advise others, and interact professionally with diverse personalities.
• Ability to work independently or with limited supervision, manage multiple and changing priorities, meet deadlines, and exercise discretion with confidential matters.
• Ability to perform primarily sedentary work, including bending, sitting, standing, occasional lifting of up to 10 pounds, and climbing or descending stairs in an emergency.
• Ability to operate routine office equipment and routinely work on a computer for an average of 6–8 hours per day when necessary.
• Ability to work extended hours or travel off site whenever required or requested by management, and maintain regular, reliable, and timely attendance.

Nice To Haves

• Experience with the Origence Loan Origination System.

Responsibilities

• Directs the Mortgage Lending, Consumer Lending, and Collections departments, including hiring, assigning and prioritizing work, monitoring performance, coaching, training, and supporting employee development and compliance.
• Develops and implements processes to improve cycle times, service delivery, operational quality, and member experience; supports and leads strategic initiatives across lending and collections.
• Maintains knowledge of applicable laws, regulations, rules, and industry standards for mortgage lending, consumer lending, underwriting, servicing, and collections; uses systems, reporting, and staff resources to monitor workflow and queues and address operational or compliance concerns.
• Collaborates with senior management and leaders across Branch Operations, Marketing, Risk Management, Information Technology, Accounting, and other departments; coordinates projects, meetings, and initiatives.
• Analyzes Mortgage Lending and Consumer Loan portfolios for review by the Chief Lending Officer, Chief Executive Officer, and other stakeholders; partners with the Data and Analytics Team to develop and enhance portfolio reporting.
• Co-manages lending-related third-party vendor relationships and monitors vendor performance, service levels, compliance, and alignment with operational expectations.
• Partners with the Chief Lending Officer to develop, implement, and monitor annual departmental budgets and evaluate expenses, staffing needs, vendor costs, and other financial considerations.
• Complies with applicable laws and regulations, including the Bank Secrecy Act, Patriot Act, and Office of Foreign Assets Control requirements, and follows established company policies and procedures.
• Performs other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior