Strategic Leadership:

· Develop and execute the long-term vision and strategy for consumer lending, ensuring alignment with the credit union's mission, growth goals, and Member service objectives.

· Monitor market trends, Member needs, and competitor activities to identify opportunities for product innovation and portfolio growth.

· Partner with the lending leadership and other executive leadership to shape lending policies, credit risk appetite, and strategic initiatives.

· Business and Portfolio Management:

· Oversee all consumer lending functions including auto, recreational vehicle, personal, and credit card.

· Establish and monitor key performance indicators (KPIs) for portfolio growth, loan quality, delinquency, profitability, charge-offs, and Member satisfaction.

· Conduct profitability and risk analysis across products, recommending changes to pricing, underwriting, and credit policies.

· Ensure timely, accurate reporting to the lending leadership team, ALCO, senior management team, and Board of Directors.

Leadership & Talent Development:

· Lead, coach, and develop consumer lending supervisors and staff to build a high-performing, Member-centric culture.

· Assist in leading, coaching, and developing indirect lending supervisors and staff to help build a high-performing indirect/dealer lending department.

· Foster accountability and professional development through performance management, mentoring, and succession planning.

· Collaborate with branch and digital delivery leaders to ensure consistent Member experience across all channels.

· May assist and help in the development of loss mitigation department personnel, systems, and procedures.

· Innovation & Member Experience:

· Drive adoption of technology platforms (e.g., nCino, MeridianLink, digital e-lending tools) to improve efficiency, speed, and Member satisfaction.

· Champion cross-functional collaboration with Marketing, Operations, and IT to develop and launch consumer lending campaigns and digital enhancements.

· Ensure the credit union remains competitive through continuous evaluation of products, pricing, and delivery models. Research, develop, and implement new products as needed.

· Extensive experience in consumer lending, including loan origination, underwriting, portfolio management, and risk mitigation.

· Strong leadership skills, with the ability to mentor and guide direct reports.

· Deep understanding of regulatory requirements and compliance in consumer lending.

· Experienced leading projects and initiatives that drive both operational and organizational impact.

· Proven track record in developing and executing lending strategies that drive growth, profitability, and compliance.

· Excellent analytical, communication, and leadership skills with the ability to influence at the executive and board level.

· Proven ability to collaborate across departments to achieve organizational goals.

· Ability to drive business results through planning and operational excellence.

· Proficient in loan software, financial analysis tools, and MS Office Suite.

· Demonstrates excellent patience, tact, enthusiasm, and positive attitude towards staff, Members, and the general public.

· High level of professionalism and dedication, with a commitment to delivering exemplary client service and maintaining positive community relations.

· Education or experience equivalent to a Bachelors degree in Finance, Business, or similar field, in addition to (7) plus years' of progressively responsible experience in lending.

· Additionally, a minimum of (5) plus years of progressively responsible supervisory experience is required.