AVP of Mortgage and Member Business Lending

ASE Credit Union•Montgomery, AL

About The Position

Oversees the daily functioning of the Mortgage and Member Business Lending Departments to ensure effective loan portfolio management, growth, and compliance with regulatory requirements. Areas of responsibility include Mortgage and Member Business Operations. The role requires attention to detail, a deep understanding of lending practices and risk management, and strong leadership and interpersonal skills. The position implements and manages adequate lending standards, maintains appropriate program controls, and identifies and manages portfolio risk. The role improves lending processes and workflows, reviews policies and procedures, analyzes performance metrics and market trends, and recommends strategic adjustments to products and portfolios. It trains and leads a high-performing team, assists the CLO with recruitment and hiring, and provides coaching, mentorship, and professional development. It monitors loan quality, delinquency rates, and risk exposure, and works with vendors and other departments to maintain program accuracy and deliver a strong member experience. The position also complies with company policies, service standards, and applicable laws and regulations. Work is primarily sedentary and performed indoors in a climate-controlled shared work area with minimal to moderate noise. The role requires routine computer 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.

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, with an emphasis on mortgage lending.
High school degree or GED required.
Must be bondable.
Good written and verbal communication skills.
Time management, prioritization, and multitasking skills.
Logic and reasoning skills and attention to detail.
Knowledge of Microsoft Office.
Ability to develop and foster strong working relationships with team members and members.
Ability to communicate sensitive or highly confidential information and exercise discretion.
Ability to perform job functions independently or with limited supervision and work effectively individually or as part of a team.
Ability to read and carry out written and oral instructions, complete basic mathematical calculations, spell accurately, and understand computer basics.
Ability to speak clearly and deliver information in a logical, understandable sequence.
Ability to deal calmly and professionally with diverse personalities and demonstrate customer service and discretion when dealing with the public.
Ability to work under deadline stress and meet demanding accuracy and quality requirements while handling multiple, simultaneous, and changing priorities.
Ability to bend, sit, and stand; perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 pounds; and 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 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.
Regular, reliable, and timely attendance.

Nice To Haves

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

Responsibilities

Review and recommend improvements to lending processes and workflows 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, and monitor market trends to identify opportunities 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; recommend strategies to mitigate risk and optimize portfolio performance while growing the portfolio within policy.
Stay current with and ensure adherence to regulations, policies, and underwriting guidelines.
Work with third-party vendors to maintain 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, and applicable laws and regulations.
Perform other job responsibilities as assigned by management.