AVP of Consumer Lending

ASE Credit Union•Wetumpka, AL

About The Position

The AVP of Consumer Lending oversees the daily functioning of the Consumer Lending Departments, including Consumer, Indirect, Underwriting, and Lending Operations. The role ensures effective loan portfolio management, growth, and compliance with regulatory requirements. It requires detailed knowledge of lending practices and risk management, strong leadership and interpersonal skills, and responsibility for implementing and managing appropriate lending standards and controls. The position identifies portfolio risks and manages them appropriately. The AVP reviews lending processes, workflows, policies, and procedures; analyzes performance metrics and market trends; and recommends changes to improve efficiency, turnaround times, member experience, products, and portfolios. The role leads and develops the team, monitors loan quality and portfolio risk, works with third-party vendors, and collaborates across departments to support lending products and services. The position is primarily sedentary and based indoors in a climate-controlled shared work area. It involves routine computer work, occasional lifting of up to 10 pounds, and the ability to work extended hours or travel off site when required or requested by management.

Requirements

At least 5 years of experience in lending operations, including 3 years in a leadership or management role within lending functions of a financial institution.
High school degree or GED required.
Must be bondable.
Good written and verbal communication skills.
Time-management skills and ability to prioritize and multitask.
Logic and reasoning skills and attention to detail.
Knowledge of Microsoft Office.
Ability to work independently or with limited supervision and effectively as part of a team.
Ability to read and follow written and oral instructions and perform basic mathematical calculations.
Ability to communicate clearly and deliver information in a logical, understandable sequence.
Ability to deal calmly and professionally with diverse personalities and demonstrate discretion and strong customer service.
Ability to work under deadline pressure while maintaining accuracy and quality and to handle multiple, simultaneous, changing priorities.
Ability to exercise discretion with confidential matters.
Ability to bend, sit, and stand; perform primarily sedentary work with limited physical exertion; and occasionally lift up to 10 pounds.
Ability to climb or descend stairs in an emergency.
Ability to operate routine office equipment, including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
Ability to routinely work at a computer for an average of 6–8 hours per day when necessary.
Ability to work extended hours or travel off site when required or requested by management.
Ability to maintain regular, reliable, and timely attendance.

Nice To Haves

Bachelor's degree in finance, business, or a related field.

Responsibilities

Oversee the daily functioning of Consumer, Indirect, Underwriting, and Lending Operations.
Review lending processes and workflows and recommend improvements to increase efficiency, reduce turnaround times, and improve the member experience.
Review policies and procedures and identify updates as needed.
Analyze performance metrics, track key indicators, monitor market trends, and recommend strategic adjustments to products and portfolios.
Train and lead the team, fostering accountability, collaboration, and continuous improvement.
Assist the CLO with recruiting and hiring team members.
Coach, mentor, and support the professional development of team members.
Monitor loan quality, delinquency rates, and risk exposure; recommend strategies to mitigate risk and optimize portfolio performance while growing the portfolio within policy.
Stay current on and ensure adherence to regulations, policies, and underwriting guidelines.
Maintain strong relationships with third-party vendors and ensure program accuracy.
Review proposals for new systems and recommend efficiency improvements.
Collaborate with other departments to offer lending products, ancillary products, and services that support an exceptional member experience.
Comply with company policies, procedures, service standards, applicable laws, and regulations.
Perform other job responsibilities as assigned by management.