VP Consumer and Real Estate Lending

HawaiiUSA Federal Credit Union•Honolulu, HI

6d•$127,267 - $159,084•Onsite

About The Position

Oversees the administration of all consumer and real estate credit activities, including direct and indirect consumer loans, mortgage loans, credit cards, and other lending products. Keeps abreast of current trends, economic, financial, and regulatory developments. Manages workflow efficiencies and high productivity to provide excellent service levels to the frontlines and the general membership. Develops, recommends, and implements strategies, policies, procedures, and training programs for the credit union's consumer and mortgage lending operations.

Requirements

Possesses the professional skills appropriate to the job title
Product and Technical Knowledge
Technical Writing
Banking Regulations
Consumer Lending Regulations
Initiative
Mortgage Regulations
Achievement Orientation
Attention to Detail
Analytical Thinking
Confidentiality
Microsoft Office 365 applications
Ability to work both independently and cohesively with others, fosters team environment
Four years progressive consumer and mortgage lending experience (or comparable experience with the lending field) with at least two years in a supervisory capacity
Maintain an active Nationwide Mortgage Licensing System (NMLS) number.

Nice To Haves

Business (Bachelor's degree) preferred

Responsibilities

Manage staff, workflow and productivity of the department (staffing, scheduling, evaluating, coaching, mentoring, career pathing, disciplining, training, equipping).
Develop and implement consumer and mortgage loan products, policies, guidelines and procedures, in meeting our members’ needs.
Manage and work with staff in providing Consumer and Mortgage related credit decisions in accordance with Credit Union underwriting guidelines.
Continually seek to develop and implement departmental initiatives to increase operational efficiencies and effectiveness.
Coordinate training to develop branch and departmental employees and to assure proper dissemination of program and compliance rules and regulations
Actively meet with direct reports to keep them informed and to build esprit de corps within the department.
Provide oversight and monitors productivity, credit quality, guideline exceptions, authorizations, etc.
Participate in and respond to audits and examinations, all related inquiries, requests, and report findings for the department.
Ensure the completion and quality of consumer and mortgage loan documentation (including Home Mortgage Disclosure Act (HMDA) data) is maintained for the safety and legal requirements of the Credit Union.
Recommend salary adjustments, lending authority, promotions, disciplinary actions, discharges, and other personnel related needs, actions, or activities.
Keep abreast of current loan programs, lending trends, and changes in the secondary market guidelines and regulations
Responsible for assisting in marketing campaigns to expand and/or preserve the loan portfolio in an effort to meet or exceed lending goals and initiatives.
Maintain an active Nationwide Mortgage Licensing System (NMLS) number.
Perform other duties as assigned.

Benefits

100% of employees’ single medical, drug, vision, and dental monthly health insurance premiums covered
Paid volunteer time
Pay it forward program
Matching charitable donations up to $250 per year per employee
Tuition assistance for higher education
Paid Time Off
11 Paid Holidays
401(k) and 3% Employer Contribution
Health insurance
Vision insurance
Dental insurance
Prescription drug insurance
Life insurance
Flexible spending account
Disability insurance
Opportunities for advancement
Employee assistance program
Referral program
Retirement plan
Employee discount
Paid training
Professional development assistance
AD&D insurance
Credit union membership
Paid orientation