Vice President, Consumer Loan Operations

SchoolsFirst Federal Credit Union•Sacramento, CA

5d•$190,000 - $245,000

About The Position

The Vice President, Consumer Loan Operations leads consumer loan underwriting, processing, funding, operational quality, and business systems supporting direct and indirect lending. The role is accountable for timely and accurate execution, consistent application of approved credit strategies and delegated authorities, effective first-line controls, operational scalability, system effectiveness, and coordinated handoffs across the end-to-end Member journey. The position partners with Consumer Loan Originations, Consumer Loan Servicing, Risk, Compliance, Technology, Data, Finance, and other enterprise functions to support responsible lending and an exceptional Member experience. The Vice President collaborates with the SVP, Consumer Lending and senior leadership to set and execute strategy, goals, and priorities; builds and leads managers and specialized teams; and establishes operating procedures, service expectations, controls, performance measures, and quality frameworks. The position also serves as the senior business owner for consumer lending operational systems, leads complex operational and technology changes, oversees indirect lending operations and relevant vendors, and maintains workforce, capacity, contingency, and business-continuity plans. The role represents Consumer Loan Operations in audits, examinations, compliance reviews, risk assessments, and control testing, and ensures issues are addressed through sustainable corrective action. It also leads organizational capabilities, budgets, risk mitigation, stakeholder relationships, and a Member-focused service culture. The position requires a high school diploma or GED, a bachelor’s degree in a related field or equivalent years of experience, 15 or more years of relevant experience, and 10 or more years of management experience. A related master’s degree is preferred. Salary range is $190,000–$245,000 base, plus incentive eligibility; scheduled weekly hours are 40.

Requirements

High school diploma or GED required.
Bachelor’s degree in a related field or equivalent years of experience required.
15 or more years of prior relevant experience required.
10 or more years of prior management experience required.
Strategic operations leadership and executive-level judgment, with ability to translate enterprise strategy into operating priorities, controls, accountability, and measurable outcomes.
Deep understanding of consumer loan underwriting, direct and indirect processing and funding, credit policy administration, delegated authorities, exception practices, and downstream servicing dependencies.
Strong knowledge of consumer lending laws, regulations, and control expectations, including fair lending, adverse action, credit reporting, privacy, Member protection, and third-party oversight.
Strong understanding of operational risk, first-line controls, quality assurance, audit and examination support, issue remediation, and corrective-action practices.
Proficiency using data and analytics to define measures, diagnose root causes, forecast demand, monitor quality, make decisions, and evaluate results.
Strong understanding of loan-origination systems, decision engines, automation, artificial intelligence, workflow, system controls, testing, implementation readiness, and technology-enabled performance management.
Strong financial and business acumen, including budgeting, forecasting, workforce and capacity planning, resource allocation, investment evaluation, and vendor value management.
Ability to balance speed, accuracy, Member advocacy, service quality, operational efficiency, financial outcomes, and risk.
Proven ability to lead organizational change and complex operational and technology transformations while maintaining engagement, quality, controls, and business continuity.
Exceptional relationship-building, negotiation, vendor-governance, and cross-functional stakeholder-management capabilities.
Strong executive presence and excellent verbal, written, presentation, and influence skills, including ability to communicate complex matters clearly.
Ability to build, develop, engage, and retain high-performing leadership and specialized technical teams and strengthen succession and critical-role readiness.
High ethical standards, sound judgment, integrity, professionalism, and commitment to the Credit Union’s values and Member Service philosophy.
Results-oriented, organized, and adaptable, with ability to manage competing priorities in a dynamic, high-volume environment.
Experience leading consumer loan underwriting, processing, funding, quality, and lending systems functions.
Experience governing automated decisioning, operational controls, and complex lending technology changes.
Experience developing operating scorecards, capacity plans, business-continuity strategies, and sustainable remediation plans.

Nice To Haves

Master’s degree in a related field preferred.

Responsibilities

Collaborate with the SVP, Consumer Lending and senior leadership to establish and execute strategy, goals, and priorities for consumer loan operations and lending systems.
Build and lead managers and specialized teams across underwriting, processing, funding, and business systems.
Lead accurate, timely, consistent, and compliant direct and indirect consumer loan underwriting, processing, and funding.
Design and continuously improve operating procedures, service-level expectations, controls, and operational handoffs.
Establish and monitor performance measures for underwriting, processing, funding, and lending systems, including turnaround time, cycle time, quality, productivity, rework, backlog aging, service levels, funding timeliness, Member effort, incidents, and control effectiveness.
Lead consistent execution of approved credit strategies, underwriting guidelines, exception practices, and delegated authorities; partner with stakeholders to evaluate performance and recommend changes to strategies, policies, decision rules, and authority structures.
Establish governance for underwriting authority, exception management, reconsideration practices, and decision quality.
Partner with risk, compliance, data, and technology stakeholders on governance of automated decisioning and artificial intelligence, including model performance, data integrity, explainability, fair-lending outcomes, change controls, and human review.
Establish an integrated operational quality framework and ensure findings, errors, complaints, exceptions, audit issues, and control breakdowns are analyzed and addressed with sustainable corrective actions.
Maintain effective first-line controls and identify, evaluate, and manage risks within the area.
Ensure consumer loan operations follow approved policies, procedures, controls, and applicable requirements.
Represent Consumer Loan Operations in audits, examinations, compliance reviews, risk assessments, and control testing; provide timely, accurate documentation and ensure findings have clearly owned corrective-action plans.
Serve as senior business owner for consumer lending operational systems by defining requirements and priorities, supporting testing and implementation readiness, and evaluating adoption, performance, control effectiveness, and business benefits.
Lead complex operational, credit, process, and technology changes, including impact assessment, stakeholder engagement, readiness and training plans, adoption monitoring, and benefits confirmation.
Develop and maintain workforce, capacity, and contingency plans aligned with forecast demand, operating needs, and service expectations.
Provide strategic oversight of indirect underwriting, processing, and funding operations, including performance, efficiency, accuracy, exception management, and compliance with standards.
Coordinate with enterprise functions to establish effective handoffs, clear ownership, consistent information, and coordinated Member communications.
Ensure effective escalation, reconsideration, and service-recovery practices and use trend analysis to identify root causes and implement systemic improvements.
Govern technology vendors, service providers, and operational partners through performance standards, service levels, escalation, change management, third-party risk coordination, business continuity, and value realization.
Maintain and test business-continuity and recovery plans for disruptions, peak volumes, and critical operations.
Lead and develop managers and team members and establish workforce strategies, operational plans, and budgets.
Use data, analytics, market intelligence, and industry trends to optimize performance and support decisions and continuous improvement.
Build strategic relationships with stakeholders, vendors, and business partners.
Provide leadership and influence across assigned functions, driving performance, innovation, and a Member-focused service culture.
Identify, evaluate, and manage risk and implement mitigation strategies and activities.
Perform other duties as assigned.
Comply with regulatory compliance and assigned training requirements, including applicable BSA requirements.