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Vice President of Lending

Position Title: Vice President – Lending
Department: Lending
Reports To: President/CEO
FLSA Status: Exempt

Position Summary

The Vice President – Lending is responsible for the strategic leadership, administration, and oversight of all lending functions, including consumer, mortgage, and business lending. This position ensures lending operations are conducted in a safe and sound manner, consistent with regulatory requirements and the Credit Union’s risk appetite, while supporting strategic growth and member service objectives.

This role is accountable for loan portfolio quality, credit risk management, regulatory compliance, internal controls, and financial performance, and serves as a key liaison to executive leadership and the Board regarding lending-related matters.

Essential Duties and Responsibilities

1. Governance and Oversight

• Administer lending operations in accordance with Board-approved policies and strategic objectives.
• Provide regular, accurate, and timely reporting to the President/CEO and Board of Directors.
• Ensure transparency in lending performance, including reporting on trends, exceptions, concentrations, and emerging risks.
• Support regulatory examinations and audits; respond to findings and implement corrective actions.

2. Leadership and Department Management

• Supervise, train, and evaluate lending department staff.
• Promote a culture of accountability, compliance, and high-quality member service.
• Provide guidance and support to staff regarding lending policies, procedures, and objectives.
• Encourage professional development and cross-functional collaboration.
• Provide backup support to other departments as needed.

3. Lending Operations and Production

• Oversee the origination, underwriting, processing, and servicing of consumer, mortgage, and business loans.
• Ensure timely, accurate, and efficient loan processing and documentation.
• Maintain responsibility for loan production levels and portfolio quality.
• Exercise sound judgment, prudence, and skill in all credit decisions.
• Promote and cross-sell Credit Union products and services.

4. Credit Risk Management and Safety & Soundness

• Maintain responsibility for the overall credit risk profile of the loan portfolio.
• Monitor key risk indicators, including delinquency, charge-offs, loan concentrations, and underwriting exceptions.
• Ensure consistent application of underwriting standards and risk-based lending practices.
• Establish and maintain effective internal controls, including segregation of duties and approval authorities.
• Identify and mitigate risks related to lending activities, including operational and compliance risks.

5. Policy Administration and Regulatory Compliance

• Develop, implement, and maintain lending policies and procedures in compliance with applicable laws and regulations.
• Maintain working knowledge of applicable regulations, including:
• Truth in Lending (Regulation Z)
• Equal Credit Opportunity Act (Regulation B)
• Fair Credit Reporting Act
• Home Mortgage Disclosure Act (Regulation C)
• Real Estate Settlement Procedures Act (RESPA)
• Fair Housing Act
• Flood Disaster Protection Act
• Servicemembers Civil Relief Act
• Privacy regulations

• Monitor regulatory changes and ensure timely updates to policies and procedures.
• Ensure staff receive ongoing compliance training.

6. Portfolio Management and Collections Oversight

• Monitor loan portfolio performance, including delinquency and loss trends.
• Oversee collection activities, including delinquent loans, workouts, restructures, foreclosures, and repossessions.
• Collaborate with collections staff to ensure adherence to policy and regulatory requirements.
• Recommend and implement strategies to minimize losses and maintain asset quality.

7. Risk Rating and Credit Quality Accountability

• Maintain a formal risk rating system for applicable loans.
• Ensure timely and accurate assignment of risk ratings at origination and during periodic reviews.
• Monitor risk rating migration and identify deteriorating credits.
• Oversee management of problem loans, including documented action plans.
• Support independent loan review processes and ensure corrective action on findings.

8. Strategic Planning and Financial Management

• Participate in strategic planning, including loan growth, pricing, and product development.
• Contribute to Asset-Liability Committee (ALCO) and CECL processes.
• Monitor economic and market conditions affecting lending operations.
• Recommend adjustments to lending strategies to maintain competitiveness and financial stability.

9. Member Service and Business Development

• Ensure delivery of prompt, professional, and accurate service to members.
• Provide financial counseling to support member financial well-being.
• Maintain confidentiality of member information.
• Develop and maintain knowledge of all Credit Union products and services.

10. Community and Organizational Engagement

• Represent the Credit Union in community activities and events.
• Promote the Credit Union’s philosophy, mission, and services.
• Encourage staff involvement in community engagement initiatives.

11. Operational Effectiveness

• Maintain working knowledge of data processing systems and lending software.
• Ensure accurate and timely completion of all reports.
• Maintain organized workflows and documentation standards.
• Communicate effectively with staff, management, and the Board.

Key Performance Expectations (NCUA-Aligned)

The Vice President of Lending is accountable for performance within Board-approved limits, including:

• Delinquency
• Net Charge-Off Ratio
• Non-Performing Loans
• Loan Growth
• Policy Exceptions: Controlled, documented, and monitored

Performance is measured through trend analysis, peer comparisons, and adherence to risk tolerance levels.

Reporting and Accountability

• Provide monthly and quarterly reports to management and the Board.
• Report on portfolio performance, concentrations, exceptions, and risk trends.
• Escalate material risks, policy breaches, or adverse trends promptly.
• Maintain documentation supporting all credit decisions and reporting.

Qualifications

Education and Experience

• Minimum of five (5) years of lending experience, including consumer, mortgage, and business lending.
• Minimum of three (3) years of experience within a financial institution.
• Minimum of two (2) years of supervisory experience preferred.
• Associate degree in business, finance, or related field preferred (or equivalent experience).

Knowledge, Skills, and Abilities

• Strong knowledge of lending practices, underwriting, and credit risk management.
• Thorough understanding of applicable lending laws and regulations.
• Ability to analyze financial statements and assess creditworthiness.
• Strong leadership, organizational, and decision-making skills.
• Effective written and verbal communication skills.
• Proficiency with relevant software and data systems.

Professional Attributes

• High level of integrity, accountability, and professionalism.
• Strong commitment to safety and soundness principles.
• Ability to exercise independent judgment within policy guidelines.
• Strong member service orientation and interpersonal skills.
• Positive, cooperative, and professional demeanor.

Working Conditions

Work Location

• On-site, office-based work (remote work not available)
• Regularly work at multiple branch locations
• May include occasional travel, training sessions, or attendance at meetings and community events outside normal business hours.

Work Schedule

• Standard office hours (8:00 AM – 5:0 PM, Monday–Friday)

Environment

• Indoor office setting
• Ergonomic furniture provided (desk, chair, monitor)
• Climate-controlled (heating/air conditioning)

Equipment and Tools

• Company-provided computer, phone, software
• Access to office supplies and printers
• Internet and IT support

Physical Requirements

• Mostly sedentary, with occasional walking or lifting of light objects
• Ability to sit at a desk and use a computer for extended periods

Safety and Compliance

• Workplace follows health and safety regulations
• Emergency procedures and evacuation plans in place

Other Conditions

• Dress code - business casual
• Breaks 1 hour lunch and short breaks
• Parking on site

Disclaimer

This position description is intended to describe the general nature and level of work performed and is not intended to be an exhaustive list of all responsibilities, duties, or qualifications. Responsibilities may be modified as needed to meet organizational and regulatory requirements.