Head of Rural 1st Credit
About The Position
The Head of Rural 1st Credit provides strategic leadership for consumer credit operations, guiding underwriting, servicing, and resolution activities across the Rural 1st portfolio. This role shapes credit strategy, drives disciplined risk management, and aligns credit outcomes with customer experience, loan quality, legal compliance, and process/technology efficiency while delivering continuously improved financial performance objectives. The Head of Rural 1st Credit provides senior-level leadership through other leaders, aligning strategy, developing talent, and strengthening organizational effectiveness. They shape leadership capability, enhance collaboration across teams, and cultivate a consistent culture grounded in shared expectations, performance, and values.
Requirements
- Bachelor's Degree with at least 12 years of relevant experience required.
Nice To Haves
- Experience leading leaders and developing high-performing teams.
- Experience driving organizational change and continuous improvement initiatives.
- Knowledge of consumer lending, credit risk management, and regulatory compliance.
- Strong analytical, communication, and stakeholder management skills.
- Experience collaborating across operations, technology, sales, and risk functions.
Responsibilities
- Holds accountability for consumer credit underwriting and related credit performance, including meeting Service Level Agreements (SLAs), turn time expectations, and accurate reporting; proactively identifies inefficiencies, removes process constraints, and implements timely course corrections.
- Establishes and reviews key metrics for credit quality, administration, accuracy, and compliance.
- Monitors the quality of the consumer credit loan portfolio by reporting specific adverse credit trends, opportunities, risks, or problems to executive leadership.
- Exercises delegated lending authorities and reviews complex or high-risk credit decisions as required.
- Applies advanced credit expertise and judgment to resolve complex issues and guide decisions in ambiguous or evolving situations.
- Develops and manages the Consumer Credit departmental budget, identifies and monitors department efficiency metrics, aligns fiscal decisions with Association values, strategic priorities, and stewardship expectations.
- Provides leadership through other leaders to advance shared organizational priorities.
- Coaches and develops leaders to build capability, accountability, and engagement.
- Aligns direction, priorities, and resources across multiple teams or functions.
- Strengthens decision‑making and problem‑solving through clarity and consistent leadership practices.
- Sponsors initiatives that elevate performance, culture, and long‑term readiness.
- Builds strong relationships across the Association to foster alignment and collaboration.
Benefits
- Medical, dental, and vision insurance
- Well-being and fitness reimbursement programs
- Paid vacation, sick leave, and holidays
- 401(k) plan with company contributions and matching opportunities
- Paid parental leave
- Short-term and long-term disability coverage
- Tuition reimbursement and professional development programs
- Community involvement and volunteer opportunities
- Variable compensation opportunities for eligible positions
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Executive
