VP - Consumer Lending

About Us

At USALLIANCE, we pride ourselves on innovation, teamwork, training and development and career planning. As part of our team, you will have the opportunity to grow both personally and professionally in an inclusive and supportive environment.Represent USALLIANCE in the community and form lasting relationships with our members and partners.

About This Role

A successful candidate in this role will be innovative, engaging, and a strong leader. The VP of Consumer Lending is responsible for leading Consumer Lending processes and workflows while working with credit union technology teams to design and implement process automation to achieve loan portfolio growth. The executive will ensure yields are sufficient to compensate for risk of default and for continued investment in technology and staff within the lending division. The executive will lead strategic development within the department, ensuring the department is functioning within regulatory standards and making sound lending decisions while continuing to meet the needs of a diverse population of members, enhance product visibility, and ensure consumer loan credit quality.

Key Responsibilities

• Develop, enhance, and automate processes to improve effectiveness in the consumer lending area including identifying any weaknesses and offering solutions to solve any problems.
• Successfully integrate loan objectives, opportunities, and resources to meet loan growth goals.
• Collaborate with colleagues across organization to accomplish credit union’s goals.
• Responsible for overall credit administration and consistent review of credit underwriting opportunities to leverage automation.
• Lead the credit union strategy to acquire, develop, and maintain productive lending relationships.
• Consumer loan acquisitions (direct, indirect, credit card, and all potential other sources).
• Develop member acquisition strategies through all channels.
• Work extensively to develop strategic concept, critical thinking, and mentoring.
• Provide successful leadership and strategic direction of consumer lending.
• Ensure productivity standards are met including high level quality service internally and externally.
  
  

Who You Are

• Minimum 7 years of experience in consumer lending with minimum 5 years of management experience
• Excellent verbal and written communication skills; ability to call, connect, and interact with existing and potential business partners.
• Thorough knowledge of consumer lending marketplace with ability to develop dynamic lending strategies
• Coach and develop staff to increase product knowledge and management, improving effectiveness of individual and department performance
• Mentor and provide staff with the resources needed to attain results and goals
• Demonstrate a strong ability to identify, analyze and solve problems
• Demonstrate ability to recognize management problems and develop solutions
• Exemplify credit union philosophy of people helping people
  
  

What We Offer

• Competitive salary and benefits package
• Opportunities for professional development and career growth
• Hybrid Schedule (min 3 days in office to maximize collaboration)
• A collaborative and inclusive work environment
• Paid Time Off, Wellness Time & Paid Federal holidays
• 401K with 6% match
• High Performance Culture
  
  

Become a part of a team where your ideas are valued, your growth is supported, and your work makes a difference. Apply today and take the next step in your career with USALLIANCE.

EQUAL OPPORTUNITY EMPLOYER

USALLIANCE Federal Credit Union, as an Equal Opportunity Employer, values and supports the diverse cultures, perspectives, skills, and experiences within our workforce.

This job description is for informational purposes only and should not be construed as a complete listing of the job responsibilities and requirements. This job description may be modified at any time, for any reason, at the sole discretion of management.

At this time, USAlliance Federal Credit Union will not sponsor a new applicant for employment authorization or offer any immigration related support for this position (i.e., H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, or another type of work authorization).

If you need sponsorship now or in the future, look for this statement in the job description before you apply: “USAlliance Federal Credit Union will consider sponsoring a new, qualified applicant for employment authorization for this position”. If this is not listed in the job description, USAlliance Federal Credit Union will not provide sponsorship for the candidate to work in the United States.

It is unlawful for USAlliance to require or administer a lie detector test as a condition of employment or continued employment. In accordance with applicable state laws, an employer who violates this law shall be subject to criminal penalties and civil liability.

In the spirit of pay transparency, we are excited to share the base salary range for this position is $132,612.50 - $169,080.94, exclusive of fringe benefits or potential incentives. This position is also eligible for an annual corporate bonus. If you are hired at USALLIANCE Federal Credit Union, your final base salary compensation will be determined based on factors such as skills, education, and/or experience. In addition to those factors, we believe in the importance of pay equity and consider the internal equity of our current team members as a part is any final offer. Please keep in mind that the range mentioned above is the full base salary for the role. Hiring at the maximum of the range would not be typical to allow for future and continued salary growth. We also offer a generous compensation and benefits package.

All positions must adhere to standard BSA/AML policies, procedures, and processes. Employees must demonstrate awareness of business functions and how business decisions affect financial and/or non-financial work results.