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 manages loan portfolios, drives growth, and maintains compliance with regulatory requirements. It is responsible for implementing and managing appropriate lending standards and controls, identifying portfolio risk, and managing areas of risk. The position calls for strong lending and risk-management knowledge, attention to detail, leadership, and interpersonal skills.

Requirements

At least 5 years of experience in lending operations, including 3 years in a leadership or management role within the lending functions of a financial institution.
High school diploma or GED.
Must be bondable.
Good written and verbal communication skills.
Time-management skills and the ability to prioritize and multitask.
Logic and reasoning skills.
Attention to detail.
Knowledge of Microsoft Office.
Ability to perform primarily sedentary work, including bending, sitting, and standing, with occasional lifting of up to 10 pounds.
Must be capable of climbing or descending stairs in an emergency.
Ability to operate routine office equipment, including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
Ability to work on 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.
Regular, reliable, and timely attendance.
Ability to work independently or with limited supervision and effectively alone or as part of a team.
Ability to read and follow written and oral instructions, perform basic mathematical calculations, spell accurately, and understand computer basics.
Ability to communicate clearly and present information in a logical, understandable sequence.
Ability to deal calmly and professionally with people of diverse cultures and at various organizational levels, while demonstrating discretion and strong customer service.
Ability to work under deadline pressure, meet high accuracy and quality standards, and handle multiple, simultaneous, and changing priorities.
Ability to exercise discretion with confidential internal and external matters.

Nice To Haves

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

Responsibilities

Review lending processes and workflows and recommend improvements to increase efficiency, reduce turnaround times, and improve the member experience.
Review current policies and procedures and recommend updates as needed.
Analyze performance metrics, track key indicators, monitor market trends, and recommend strategic adjustments to products and portfolios.
Train and lead a high-performing 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, and 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.
Work with third-party vendors to maintain strong relationships and program accuracy.
Review proposals for new systems and recommend efficiency improvements.
Collaborate with other departments to offer lending and 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.