VP of Consumer Lending

San Antonio Citizens Federal Credit Union•San Antonio, FL

1d•Onsite

About The Position

The VP of Consumer Lending provides senior leadership for consumer lending strategy, responsible portfolio growth, credit quality, financial performance, and the member lending experience. Reporting to the Chief Lending Officer, this role leads direct and indirect auto lending, unsecured lending, credit cards, and other programs as assigned. The role includes setting annual goals and growth initiatives; evaluating market conditions and lending economics; recommending products, pricing, underwriting, and policy enhancements; monitoring production, yield, profitability, service results, and risk indicators; and ensuring regulatory, audit, and exam readiness. The VP leads the consumer lending production team, strengthens coaching and performance management, and partners with Finance, Operations, Marketing, Compliance, and Technology to improve delivery and automation. The position is based onsite at the San Antonio, FL Operations Center. Typical work includes reviewing dashboards, aligning priorities with the Chief Lending Officer, coordinating with managers and partner departments, assessing lending trends and controls, developing coaching plans, and ensuring escalations are documented and routed within delegated authority.

Requirements

At least 7 years of progressive consumer lending experience.
At least 3 years of people leadership experience.
Expertise in underwriting, portfolio analytics, pricing, credit risk, and regulatory expectations.
Strong executive communication and stakeholder management.

Responsibilities

Set annual goals and consumer lending growth initiatives.
Evaluate market conditions and lending economics.
Recommend products, pricing, underwriting, and policy enhancements.
Monitor production, yield, profitability, service results, and risk indicators.
Ensure regulatory, audit, and examination readiness.
Lead the consumer lending production team and strengthen coaching and performance management.
Partner with Finance, Operations, Marketing, Compliance, and Technology to improve delivery and automation.
Review funding, pipeline movement, and member experience dashboards; align priorities and address obstacles affecting turnaround time.
Assess pricing and channel performance, prepare executive updates, and coordinate validation of assumptions and controls.
Review team quality themes, calibrate coaching plans, and ensure escalations are documented and routed within delegated authority.