Director of Lending, Risk and Collections

Baylor Health Care System Credit Union•Dallas, TX

About The Position

The Director of Lending, Credit Risk & Collections is responsible for the strategic direction, performance, risk management, and operational oversight of the credit union’s consumer lending portfolio and related lending and collections functions. The role leads consumer lending growth initiatives, credit and loan concentration risk management, loan pricing strategies, underwriting vendor relationships, loan origination support, collections, credit reporting, and lending compliance. The Director oversees the full consumer lending lifecycle to ensure lending products and processes support the credit union’s strategic objectives, member experience, financial performance, asset quality, and regulatory obligations. The position manages third-party lending and mortgage service providers, develops and maintains lending policies and procedures, monitors portfolio performance, and ensures effective controls over loan documentation, title work, lien perfection, loan audits, credit reporting disputes, bankruptcy, and repossessions. The Director provides executive leadership and the Board of Directors with timely, accurate, actionable reporting on lending performance, credit quality, portfolio concentrations, delinquency trends, loan losses, vendor performance, and emerging risks. In collaboration with executive leadership, finance, compliance, operations, and marketing, the Director develops strategies to grow the loan portfolio responsibly, optimize risk-adjusted returns, strengthen member relationships, and maintain a sound lending and collections environment.

Requirements

Five to seven years of progressive experience in consumer lending, credit risk, lending operations, collections, or a related financial services field.
Strong knowledge of consumer lending regulations, fair lending, credit reporting, collections, bankruptcy, and repossession requirements.
Experience managing consumer loan portfolios, credit risk, concentration limits, pricing strategies, and portfolio growth.
Experience overseeing outsourced underwriting, mortgage lending, or other third-party financial services vendors.
Knowledge of loan origination, title work, lien perfection, loan documentation, and quality control.
Experience developing lending policies, procedures, and internal controls.
Ability to prepare and present lending and credit risk reports to executive leadership and a Board of Directors.
Strong analytical, communication, leadership, organizational, and problem-solving skills.

Nice To Haves

Credit union or community financial institution experience is strongly preferred.
Bachelor’s degree in finance, business, or a related field is preferred; equivalent experience may be considered.

Responsibilities

Manage the consumer loan portfolio, develop growth strategies, monitor production, and partner with marketing on lending campaigns, product development, and member relationship discounts.
Monitor portfolio quality, delinquencies, charge-offs, loan concentrations, underwriting performance, and emerging credit risks.
Prepare monthly lending and credit risk reports for the CEO and Board of Directors covering loan growth, portfolio performance, yield, delinquency, losses, concentrations, vendor performance, and recommended actions.
Oversee outsourced consumer loan underwriting and mortgage vendors, including performance, service levels, quality control, compliance, and contract management.
Supervise loan origination and loan support functions, including loan documentation, title work, lien perfection, post-closing follow-up, and loan audits.
Oversee collections activities, delinquency management, bankruptcy accounts, repossessions, recoveries, and charge-off recommendations.
Develop and maintain lending and collections policies, procedures, and internal controls; ensure compliance with applicable federal and Texas lending, credit reporting, fair lending, and collections requirements.
Manage loan pricing and rate strategies, evaluate product profitability, and recommend pricing adjustments balancing competitiveness, growth, risk, and returns.
Manage credit bureau relationships and contracts, oversee credit reporting disputes, and resolve paid-ahead reporting issues and other reporting discrepancies.
Lead and develop lending and collections staff while collaborating with executive management, finance, compliance, operations, and marketing.