Vice President Consumer Lending

SCHEDULE

Full-Time

LOCATION

Mountain America Center

9800 S Monroe St

Sandy Utah

To be effective an individual must be able to perform each job duty successfully.

• Shape the future-state Direct Consumer Lending strategy by aligningproducts channels technology risk and member experience priorities to support sustainable enterprise growth.

• Develop and execute annual and long-term strategies that support member growth loan growth profitability and portfolio performance.

• Create andmaintainan organizational culture focused on exceptional member experiences accountability ownership innovation and continuous improvement.

• Ensure responsible management of portfolio performance credit quality profitability and emerging credit risk indicators through proactive monitoring and predictive insights.

• Advance the responsible use of data predictive analytics automation and AI-enabled decisioning to improve speed consistency risk management personalization and member outcomes.

• Lead the evolution of digital and omnichannel lending experiences to simplify the member journey improve approval and funding speed and increase adoption of self-service and assisted-service capabilities.

• Oversee operational performance and ensure service standards are consistently achieved.

• PartnersacrossLending Member Service Technology Marketing Asset Management Loan Servicing Finance Enterprise Risk Fraud Compliance and other functions to align priorities improve execution and achieve organizationalobjectives.

• Provide executive oversight for compliance and risk management across Direct Consumer Lending including adherence to applicable CFPB and NCUA requirements credit union policies internal audit findings and remediation activities.

• Maintain and exercise formal lending authority consistent with established credit union policy risk appetite approval limits and governance expectations for consumer lending decisions.

• Support regulatory governance throughappropriate controls reporting issue resolution and board-or regulatory-ready documentation in partnership with Enterprise Risk Compliance Legal Internal Audit and executive leadership.

• Allocate resourcesestablishexecution discipline and monitor progress against strategic and operational priorities.

• Enhance organizational efficiency byeliminatingcomplexity and creating scalable operating models.

• Evaluate market conditions industry trends competitive offerings and emerging technologies toidentifygrowth opportunities.

• Develop andmaintainstrategic vendor partnerships ensuring products technologies and services align with businessobjectives support member experience goals and deliver long-term value to the credit union.

• Build future-ready lending talent by developing leadership capability digital fluency analytical judgment change readiness and succession depth across the Consumer Lending organization.

• Perform other duties as assigned.

KNOWLEDGE SKILLS and ABILITIES

The requirements listed are representative of the knowledge skills and/or abilities required.Reasonable accommodation may be made to enable individuals with disabilities to perform the essential job functions.

Experience

• 10 years of progressive consumer lending leadership experience including strategy portfolio performance risk management and team leadership.

• Executive leadership experience in a banking credit union or financial services environment with accountability for business performance member/customer experience and regulatory expectations.

Education

• Bachelors degree inBusiness Finance Economics Management or related field;or an equivalent combination of education andsignificant executive-level consumer lending financial services or business leadershipexperience.

Licenses Certifications Registrations

• N/A; relevantlending risk compliance or financial servicescertificationspreferred but not.

Computer/TechnologySkills

• Demonstrated ability toleveragelending systems digital platforms data analytics automation and AI-enabled capabilities to improve member experience operational efficiency portfolio performance and risk management.

• Working knowledge of loan origination systems digital lending tools reporting platforms workflow automation collaboration tools and vendor technology solutions.

• Ability to interpret and act on dashboards portfolio reporting operational metrics financial performance data and emerging risk indicators to inform executive decision-making.

Language Skills

• Demonstrated ability to clearly communicate ideasmethodology results recommendations and outcomes verbally in writing through reports and visual presentations and in a mannerappropriate forkey stakeholders and all levels of the organization.

Other Skills and Abilities

• Demonstrated ability to lead consumer lending financial services or related business functions with accountability for strategy business performance portfolio outcomes operational execution and sustainable growth.

• Strong knowledge of consumer lending products operations credit strategy portfolio management profitability risk considerations and member/customer experience.

• Proven ability to lead strategic initiatives business transformation change management and cross-functional execution in a complex organization.

• Demonstrated leadership capability including developing talent building organizational capability creating accountability and supportingsuccessionreadiness.

• Working knowledge of digital lending automation data analytics AI-enabled capabilities and technology-enabled business improvement.

• Strong business acumen executive communication decision-making and organizational development skills.

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit talk and hear consistently

Ability to stand walk and use hands to handle or reach occasionally

Vision Requirements