AVP Lending

Houston Police Credit Union•Houston, TX

About The Position

At Houston Police Credit Union, the AVP Lending oversees the Mortgage Lending, Consumer Lending, and Collections departments under the strategic direction of the Chief Lending Officer. The role ensures lending and collection activities meet member needs, comply with applicable laws, regulations, and organizational policies, and effectively manage credit, operational, and compliance risk. The AVP develops, recommends, and oversees lending policies, products, processes, and strategies in support of the Credit Union’s financial and strategic objectives. The position leads department staff and managers; improves operational processes and member experience; monitors workflow, portfolio performance, and compliance; and collaborates across the Credit Union on initiatives and projects. It also conducts loan portfolio analysis, partners with Data and Analytics on reporting, co-manages lending-related vendors, and works with the Chief Lending Officer on departmental budgets. The role must comply with applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and Office of Foreign Assets Control requirements, and follow company policies covering controls, conduct, communications, confidentiality, and privacy. The position is primarily sedentary and performed indoors in a climate-controlled shared work area with minimal noise. It involves routine computer and office-equipment use, occasional lifting of up to 10 pounds, and the ability to bend, sit, stand, and use stairs in an emergency. Extended hours or off-site travel may be required when requested by management. The role requires regular, reliable attendance and the ability to manage multiple priorities, deadlines, sensitive matters, and interactions with people across and outside the organization.

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 lead cross-functional projects and monitor managers and direct reports, including documenting coaching, feedback, and progress toward expectations.
Ability to perform job functions independently or with limited supervision, work effectively individually or as part of a team, and handle multiple changing priorities.
Ability to communicate clearly, follow written and oral instructions, complete basic mathematical calculations, and use computer basics.
Ability to exercise discretion with confidential matters and provide professional, high-quality service in interactions with diverse personalities.
Ability to work extended hours or travel off site when required or requested by management.
Physical ability to perform primarily sedentary work, bend, sit, stand, occasionally lift up to 10 pounds, and climb or descend stairs in an emergency.
Ability to routinely work on a computer for an average of 6–8 hours per day when necessary and operate routine office equipment.

Nice To Haves

Experience with the Origence Loan Origination System is preferred.

Responsibilities

Direct the Mortgage Lending, Consumer Lending, and Collections departments and lead their staff, including hiring, work assignment, performance monitoring, coaching, training, and employee development.
Develop and implement processes to improve cycle times, service delivery, operational quality, and member experience across assigned departments.
Support, recommend, and lead strategic initiatives involving Mortgage Lending, Consumer Lending, and Collections.
Maintain knowledge of applicable laws, regulations, and industry standards governing lending, underwriting, servicing, and collections.
Use systems, reporting, and staff resources to monitor workflow and queue performance, identify trends, and address operational or compliance concerns.
Collaborate with Senior Management and leaders across Branch Operations, Marketing, Risk Management, Information Technology, Accounting, and other departments.
Coordinate and facilitate interdepartmental projects, meetings, and initiatives that support organizational objectives and operational effectiveness.
Analyze Mortgage Lending and Consumer Loan portfolios for review by the Chief Lending Officer, Chief Executive Officer, and other stakeholders.
Partner with the Data and Analytics Team to develop and enhance reporting on portfolio performance, credit risk, delinquency, and emerging trends.
Co-manage lending-related third-party vendor relationships and monitor vendor performance, service levels, compliance, and alignment with Credit Union expectations.
Partner with the Chief Lending Officer to develop, implement, and monitor annual departmental budgets, including evaluation of expenses, staffing needs, and vendor costs.
Serve as project manager for implementation of new lending products, services, system enhancements, and process improvements.
Monitor managers and other direct reports, documenting coaching, performance feedback, and progress toward expectations.
Comply with applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and Office of Foreign Assets Control requirements, and follow established company policies and procedures.
Perform other duties as assigned.