Vice President, Consumer Lending

American Eagle Financial Credit Union Incorporated•East Hartford, CT

3h•$190,000 - $220,000•Hybrid

About The Position

This isn’t just a lending role, it’s a mission driven one. As our Vice President of Consumer Lending, you’ll shape the strategy behind one of the credit union’s most impactful programs, spanning auto, personal, student lending, and Visa. You’ll drive growth and profitability while staying grounded in what matters most: expanding access to credit and delivering for our members and community. From leveraging new technologies and vendor partnerships to reading the market and staying ahead of trends, you’ll bring both the strategic vision and the operational savvy to lead this portfolio with purpose. If lending is your craft and community is your why, you’ll feel right at home here.

Requirements

Subject Matter Expertise and the ability to provide mentorship, guidance and training to other team members.
Minimum of 7 years in a previous Consumer Lending role and Bachelor’s Degree.
Demonstration of the ability to meet qualifications without an absolute focus on duration of experience, in recognition that the attainment of such qualifications may be obtained at different paces by different individuals.

Responsibilities

Maintains stability during uncertainty. Leads the organization through periods of change and uncertainty. Uses knowledge of environmental factors that impact outcomes to help guide the organization through instability. Views and leverages conflict as a temporary instability that advances the team and leads to better outcomes.
Sparks meaningful change. Evaluates new opportunities, develops a compelling vision and influences others to turn that vision into action. Is a change agent that challenges the status-quo and finds ways to solve problems to drive value for stakeholders. Proficiently promotes change and continuous improvement.
Influences positive outcomes. Paves the way to delivery of Mission for the communities that we serve. Performance focused, illustrated by the development of accountability measures for self and others. Defines actions and makes decisions that help drive the organization forward. Articulates milestones in the process while any obstacles encountered are used to develop more effective solutions.
Develops and enriches others. Exhibits humility as a servant leader and invests in others with the goal of helping them be the best version of themselves. Is passionate about opportunities to learn and grow in service to members, team members and the Credit Union. Seeks new perspectives and opportunities in support of a growth mindset. Recognizes and rewards team members and partners regularly, sharing authentic gratitude and reinforcing strengths.
Creates the right conditions. Anticipates the needs of others and helps create a culture that is a competitive advantage. Actively monitors the engagement of team members and partners, taking steps to ensure heart and minds are engaged. Demonstrates an understanding of the importance of inclusion, including diversity. Ensures we have an environment where all have a voice and equal opportunity to succeed. Partners with others to improve service and increase impact.
Creates a culture of engagement illustrated by strong Eagle Pulse scores and supporting sub-metrics within area of responsibility.
Fosters an environment of collaboration with functional areas across the organization to fully support the accomplishment of all Consumer Lending initiatives. Ensures that the Consumer Lending Team seamlessly delivers on the values of the Credit Union to all internal and external members.
Champions a culture of growth and development supported through coaching and mentoring team members. Supports and leads others to achieve a balanced risk vs. reward posture. On-going coaching and annual reviews are designed to advance team members’ understanding of their strengths, core competencies, change management principles and result in effective succession planning.
Creates a culture of engagement with a specific focus on learning, innovation, as well as diversity and inclusion.
Owner of all Consumer Lending strategic initiatives and delivers impact through effective innovation, planning, and management of Direct and Indirect Lending programs.
Delivers budgeted loan production and net loan growth objectives in alignment with Mission delivery.
Formulates loan pricing strategies based on risk analysis, competitive landscape, and yield optimization. Utilizes technology and data to increase efficiencies in loan decisions while delivering quality in the Consumer Loan portfolio, evidenced by reasonable delinquency and charge-off metrics.
Drives product innovation and market expansion through market intelligence, industry trends and data-driven insights.
Delivers a differentiated experience on the Consumer Lending platform to drive member engagement and loyalty. Utilizes feedback from organizational listening posts to continually improve key work processes.
Effectively identifies new revenue opportunities, expands current revenue streams and promotes additional cost saving/efficiency strategies within Consumer Lending.
Accountable for all audit outcomes—within area of responsibility—identified by internal and external auditors including the NCUA and DoB.
Ensures that appropriate responses to member complaints are completely resolved and findings are utilized to create process improvements designed to advance the member experience.