VP Consumer Lending Operations & Servicing

🕒 il y a 8 jours

🐻 Alaska, Arizona, +4 états de plus – Distant

🐻 Alaska – Remote 🌵 Arizona – Remote 🏄 California – Remote 🎰 Nevada – Remote ☕ Washington – Remote 🦬 Wyoming – Remote

💵 $122 186 - $183 279 / an

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Nuvision Federal Credit Union

Site WebLinkedInTous les Emplois

201 - 500 employés

🏦 Banque

💸 Finance

💰 €2 478 839 Grant - Nuvision Federal Credit Union en 2023-04

Banking • Finance

Nuvision Federal Credit Union est une coopérative de crédit basée en Californie du Sud qui se concentre sur ses membres et qui propose des services financiers pour particuliers et entreprises. Elle offre une large gamme de produits, y compris des comptes chèques et épargne, des IRA et certificats, ainsi que des services de prêt pour consommateurs et entreprises (auto, hypothèque, véhicules de loisirs/bateaux, personnel, étudiant, prêts immobiliers et commerciaux), des cartes de crédit, des produits d'assurance, et des outils de banque numérique (dépôt mobile, Zelle, assistant téléphonique IA). L'institution met l'accent sur la propriété par les membres, les ressources de bien-être financier, l'accès aux agences et aux distributeurs automatiques de billets, ainsi que les services en ligne/numériques pour ses membres.

Description

• Oversees, leads, plans, directs and executes all aspects of the Consumer Lending Operations department’s subgroups: • Consumer Lending Processing/Funding • Home Equity Line of Credit (HELOC) Processing/Funding • Servicing and ancillary Insurance products related to direct consumer loan products • Responsible for providing support to the sales team in the production of consumer loans, and ensuring cross selling of products and services. • Oversees all aspects of Consumer Operational decisions for the Credit Union. Responsible for and drives production within the subgroups of the Consumer Lending Operations Department as well as responsible for operational efficiencies. • Participates in the establishment of lending goals as well as financial goals for the Consumer Lending segment. • Communicates with Members and staff to sell loan products and ensure good member service. • Directly approves more complex loans and loan exceptions. • Assist members with loan requests, problem resolution and cross sells products and services. • Provides leadership and coaching to motivate and maximize the performance of Lending Operations Supervisor(s) and Lending Operations team. • Responsible for the selection, professional development, and performance evaluations of the lending operations team. • Establishes attainable consumer lending operational goals, which includes Visa product operational goals. • Coordinates and maintains solicitation methods and processes to increase consumer loan volumes. • Monitors individual as well as departmental progress toward such goals and develops reporting mechanisms to qualitatively assess staff performance and production volumes. • Submits reports to executive management and appropriate region/market heads pertaining to observations and conclusions relating to performance and production goals. • Establishes and responsible for maintenance of and oversees lending policies, procedures and goals for the consumer lending operations department. • Identifies potential business partners and negotiates agreements. • Coordinates and negotiates with product development, marketing and/or sales groups. • Manages all Consumer lending operations within the subgroups, and staff. • Focuses on core deliverables such as increasing brand awareness, bringing in new members, department budgeting, data analysis and driving new revenues by effectively challenging and motivating employees and a variety of other lending services duties. • Performs duties that support all consumer, Visa and HELOC lending programs, services and delivery methods. • Researches, approves and implements, along with marketing, loan campaigns to meet strategic goals accordingly to grow the business. • Develops product lines and researches new product offerings to meet Credit Unions goals. • Maintains various reporting mechanisms to qualitatively assess the quality of the operations staff; for Direct, Visa and HELOC lending. • Oversees the subgroups of Consumer Lending Operations personnel’s adherence to; credit union policy and procedure and ensures accuracy related to data entry and lending documentation. Findings are objectively communicated to Chief Credit Officer. • Prepare annual budget for the department, and monthly monitoring for variances. • Manage expenses and monthly invoices within established guidelines. • Active participant and contributor in key organizational committees. • Responsible for directing and organizing the activities associated with Loan Quality Control. Is judicious in following all credit union policies and procedures to ensure satisfactory audit reviews; in conjunction with the Chief Credit Officer this position helps prepare timely, comprehensive responses to all audit exceptions. • Reviews loans for quality, documentation, compliance with federal and state regulations and laws, as well as adherence to internal policies and procedures. • Responsible for maintenance of tracking system to ensure compliance requirements are met. • Maintains visibility and presence with out-of-state team members by traveling to each location a minimum of twice per year. • Responsible for the development and content of the organizational Consumer Lending training (Lending 101) as it relates to the origination, processing, and funding of consumer loans. • Responsible for organizational communication related to the various Consumer Lending Operations segments through Operational Bulletins, newsletters, emails, etc. • Represents the Credit Union in a positive and professional manner. • Other related duties as assigned. This position may be responsible for Titles & Liens which will require staff to have adequate compliance trainings (e.g., all state DMV requirements and regulations).

🎯 Exigences

• 5-7 years of Consumer Lending operations. Inclusive of consumer and home equity loans underwriting, processing, and funding, with direct credit authority. • 2-3 years of collateral management experience. • A minimum five years of management experience in a financial institution. • Advanced credit experience. • Ability to analyze and evaluate loan requests and make credit decisions. • Knowledge of budget process. • Demonstrated experience in financial principles and practices required. • Excellent oral and written communication skills in order to effectively interact with staff, members and all levels of management. • Business Acumen, Process Management, Negotiating, Conflict Management, Developing Direct Reports, Motivating Others, Sizing Up People • Drives for Results: demonstrated ability to achieve business targets.

🏖️ Avantages

• Medical • Dental • Vision • Life Insurance • Flexible Spending Account • 401(k) Matching • Paid Time Off • Training Provided • Tuition Reimbursement