VP of Consumer Lending

Job Description

*Amazing Opportunity with PenAir Credit Union*

VP of Consumer Lending

PenAir Credit Union 1

Pensacola, FL

Postion Summary

The VP of Consumer Lending leads the strategic direction, growth, profitability, risk management, and operational performance of all consumer lending functions, including direct, indirect, unsecured, credit card, and other consumer loan products. Responsible for portfolio performance, loan production, credit quality, processes, regulatory compliance, and achievement of organizational lending objectives. Partners with executive leadership to develop lending strategies that support sustainable growth, asset quality, earnings, and balance sheet objectives while ensuring safety and soundness.

Major Duties and Responsibilities

^ Ensures the Credit Union is in compliance with all consumer lending regulations; maintains current and appropriate policies and procedures that ensure compliance with regulatory, legal and all program requirements. Works closely with Compliance and Risk Management to identify and mitigate consumer lending risks.

^ Develops and executes multi-year consumer lending strategies aligned with the Credit

Union's strategic plan. Identifies emerging market opportunities, member needs, and

competitive trends. Leads development of annual lending production, yield, penetration, and

profitability targets. Assesses market conditions and adjusts lending programs to maintain

competitiveness while achieving risk-adjusted return objectives. Establishes metrics for

funded loan conversion, application pull-through rates, and member satisfaction.

^ Directs ongoing monitoring of consumer loan portfolio performance including delinquency,

charge-offs, recoveries, concentrations, risk-adjusted returns, and underwriting quality.

Analyzes portfolio trends and recommends changes to underwriting standards, pricing, loan

structures, dealer relationships, and credit risk strategies. Partners with Risk Management,

Finance, and ALM teams to balance loan growth, yield, liquidity, and credit quality objectives.

Presents portfolio performance, lending trends, and strategic recommendations to executive

management, ALCO, and Board committees.

^ Drives automation and process improvements to enhance efficiency, member experience,

and scalability. Evaluates and implements fintech partnerships, credit decisioning tools, third

party solutions, and other technologies supporting consumer lending growth and efficiency.

Monitors and oversees key vendor relationships impacting consumer lending.

^ Provides leadership and development for consumer lending managers and teams. Builds

succession plans for critical lending functions. Establishes performance expectations and

accountability measures. Promotes a culture focused on growth, member experience,

continuous improvement, compliance, and risk management.

Knowledge and Skills

Experience - 10 to 15 years of progressively responsible experience in consumer lending, including leadership experience overseeing consumer lending operations, strategy, and portfolio performance.

Education/Certifications/Licenses - Bachelor's degree in Business Administration, Finance, Banking, or a related field required. Advanced degree preferred.

Interpersonal Skills - The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust. Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position.

Other Skills - Must have in-depth understanding of and ability to interpret regulations affecting lending programs. Extensive knowledge of consumer, commercial and real estate lending practices and procedures. Demonstrated proficiency in Microsoft Office applications and other business systems necessary to analyze data, monitor portfolio performance, and support strategic decision making.

ADA Requirements

PHYSICAL REQUIREMENTS

Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

WORKING CONDITIONS

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

MENTAL AND/OR EMOTIONAL REQUIREMENTS

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Saltee Co ^ Talent is redefining the talent game, one human at a time with an unwavering focus on aligning, sourcing, landing, and integrating top talent. Our mission is to champion human excellence and potential by placing people at the heart of every solution. We are committed to delivering unparalleled value through innovative approaches to talent engagement and management. Collaboration and a human-centered approach drive everything we do, inspiring our team to dream big and deliver exceptional results.