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 support effective loan portfolio management, growth, and regulatory compliance. The position is responsible for implementing and managing lending standards and controls, identifying portfolio risks, and managing those risks. It requires detailed knowledge of lending practices, risk management, and strong leadership and interpersonal skills. The role reviews lending processes, workflows, policies, procedures, performance metrics, and market trends to identify opportunities for improvements and strategic adjustments. It leads and develops a high-performing team, monitors loan quality and risk exposure, works with third-party vendors, and collaborates with other departments to support lending products and a strong member experience. The position must comply with company policies, service standards, and applicable laws and regulations.

Requirements

At least 5 years of experience in lending operations, including at least 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 skills and the ability to prioritize and multitask.
Logic and reasoning skills.
Attention to detail.
Knowledge of Microsoft Office.
Ability to develop and foster strong working relationships with team members and members.
Ability to handle sensitive and confidential information with discretion.
Ability to work independently or with limited supervision and effectively as part of a team.
Ability to follow written and oral instructions, perform basic mathematical calculations, and understand computer basics.
Ability to communicate clearly and professionally with people of diverse cultures and at different organizational levels.
Ability to work under deadline pressure and manage multiple, simultaneous, and changing priorities.
Ability to maintain regular, reliable, and timely attendance.
Ability to work extended hours or travel off site when required or requested by management.

Nice To Haves

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

Responsibilities

Review and recommend improvements to lending processes and workflows to increase efficiency, reduce turnaround times, and improve the member experience.
Review 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 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 with 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 products, 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.