Vice President, Consumer Loan Originations

SchoolsFirst Federal Credit Union•Sacramento, CA

5d•$200,000 - $260,000

About The Position

The Vice President, Consumer Loan Originations sets the strategic direction and leads the performance of consumer loan acquisition and the origination experience across direct, indirect, contact center, branch-assisted, digital, and emerging delivery channels. The role is accountable for application acquisition, completion, conversion, and reducing Member friction while partnering across Consumer Lending and enterprise functions to support sustainable growth, strong conversion, consistent Member experiences, operational scalability, and responsible lending outcomes. The position collaborates with the SVP, Consumer Lending and senior leadership to establish and execute strategy, goals, and priorities for acquisition, channel performance, and the origination experience. It oversees continuous improvement of application journeys, channel consistency, Member communications, handoffs, service recovery, and performance measures. It also champions modernization through digital capabilities, automation, self-service, artificial intelligence, workflow improvements, and responsible technology adoption. The Vice President provides strategic oversight of indirect and third-party origination channels, including dealer and digital marketplace relationships; develops partner scorecards and expectations; and partners with Member-facing channels to establish consistent origination practices. The role works with Consumer Loan Operations, Credit Risk, Compliance, and other enterprise functions to align origination practices with credit policies, risk appetite, delegated authorities, and Member service expectations. The role develops workforce management, capacity planning, demand forecasting, quality assurance, and reporting strategies; leads managers and teammembers; establishes workforce strategies, operational plans, and budgets; manages risk; and builds cross-functional partnerships to deliver coordinated strategies and consistent Member journeys. It also complies with regulatory requirements and assigned training, including applicable BSA requirements.

Requirements

High school diploma or GED required.
Bachelor's degree in a related field or equivalent years of experience required.
At least 15 years of prior relevant experience required.
At least 10 years of prior management experience required.
Strategic leadership and executive-level judgment, with the ability to translate enterprise strategy into priorities, operating plans, accountability, and measurable outcomes.
Deep understanding of consumer loan acquisition, direct and indirect origination channels, contact-center operations, underwriting and processing workflows, 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 financial and business acumen, including budgeting, forecasting, resource allocation, investment evaluation, and interpretation of lending performance.
Proficiency using data and analytics to define performance measures, diagnose root causes, forecast demand, make decisions, and evaluate results.
Understanding of digital lending platforms, loan-origination systems, decisioning technologies, automation, artificial intelligence, self-service, workflow, and data-enabled performance management.
Ability to balance growth, Member value, service quality, operational capacity, financial outcomes, and risk.
Proven ability to lead organizational change and complex business transformation while maintaining engagement and operational continuity.
Relationship-building, negotiation, vendor-governance, and stakeholder-management capabilities.
Executive presence and strong verbal, written, presentation, and influence skills, including the ability to clearly communicate complex lending, operational, financial, Member, and risk matters.
Ability to build, develop, engage, and retain high-performing teams and strengthen succession and leadership bench capacity.
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 the ability to manage competing priorities in a dynamic environment.
Experience leading omnichannel consumer lending acquisition and Member experience strategies.
Experience with workforce management, quality assurance, business continuity, and operational resilience in a high-volume environment.
Experience developing business cases and measuring the results of strategic investments.

Nice To Haves

Master's degree in a related field preferred.

Responsibilities

Establish and execute strategy, goals, and priorities for consumer loan acquisition, channel performance, and the origination experience in collaboration with the SVP, Consumer Lending and senior leadership.
Lead consumer loan acquisition, consultation, and conversion across direct, indirect, contact center, branch-assisted, digital, and emerging channels.
Improve the origination experience, including Member communications, channel consistency, handoffs, application completion, conversion, and reduction of Member friction.
Establish and monitor performance measures for application volume, completion, conversion, pull-through, service, quality, productivity, Member effort, channel performance, and financial outcomes; use results to set priorities and drive measurable improvement.
Use Member feedback, application-journey data, complaints, operational measures, market insights, and teammember input to improve the application experience, first-contact resolution, proactive communication, service recovery, and pull-through.
Champion modernization through digital capabilities, automation, self-service, artificial intelligence, workflow improvements, and responsible technology adoption.
Provide strategic oversight of indirect and other third-party origination channels, including dealer and digital marketplace relationships; establish partner scorecards and expectations.
Partner with Branch Operations and other Member-facing channels to establish consistent origination practices, consultation standards, escalation support, and Member communications.
Lead consultative and outbound lending strategies that identify appropriate Member needs, provide product guidance, support responsible loan growth, and deepen Member relationships.
Provide origination, Member, channel, and competitive insights to support product, pricing, promotion, and distribution strategies.
Evaluate consumer behavior, competitive conditions, industry developments, technologies, and delivery-channel trends, and translate insights into recommendations.
Partner with Consumer Loan Operations, Credit Risk, Compliance, and the SVP, Consumer Lending to align origination practices with credit policies, risk appetite, delegated authorities, and Member service expectations.
Develop and execute workforce management, capacity planning, demand forecasting, quality assurance, and reporting strategies.
Establish effective escalation and service-recovery practices and use complaint, escalation, error, and quality trends to address systemic root causes.
Build cross-functional partnerships across Consumer Lending, Branch Operations, Member Care, Digital, Technology, Marketing, Finance, Risk, Compliance, Strategic Integration, and other enterprise functions.
Lead and develop managers, teammembers, and functional capabilities; establish workforce strategies, operational plans, and budgets to achieve organizational objectives.
Use data, analytics, market intelligence, and industry trends to optimize performance, inform strategic decisions, and drive continuous improvement.
Build and maintain 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 within the area and implement risk mitigation strategies and activities.
Perform other duties as assigned.
Comply with regulatory compliance and assigned training requirements, including applicable BSA requirements.