VP Consumer Lending

Position Title

VP Consumer Lending

Reports To

SVP of Mortgage and Consumer Lending

Supervises

Consumer Lending and Indirect Lending Team

Job Status

Exempt

Job Grade

Grade 17: $116,958.40 - $146,182.40 Targeted Annual Salary

Job Summary

The Vice President (VP) of Consumer Lending is responsible for the strategic direction, leadership, and performance of the credit union's consumer lending portfolio, including direct, indirect, and digital lending channels. This role ensures lending products, services, and policies align with organizational goals, regulatory requirements, and Member needs while driving growth, profitability, and risk mitigation. The VP of Consumer Lending serves as a key member of the lending leadership team, fostering a culture of accountability, service excellence, and innovation.

All employees of State Employees Credit Union are proactive, result‑driven, and fully committed to the Credit Union's mission and vision. They strive to achieve the highest standards of excellence and consistently exceed the expectations established by Credit Union Management.

Duties/Responsibilities

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.

Required Skills & Abilities

• 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 toward 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 & Experience

• Bachelor’s degree in Business, Law, Finance, FinTech, or a related field, plus 10+ years of progressive experience in fraud, risk, security, compliance programs, and/or financial institutions.
• Experience leading various risk and compliance teams within a financial institution is preferred.
• Preferred certifications include CURME, CUCE, CRCM, BDACS, CCUIA, or other recognized compliance and risk credentials.
• Travel as required.
• Bachelor’s degree in Finance, Business, or a similar field, with 7+ years of progressively responsible lending experience.
• Minimum of 5+ years of progressively responsible supervisory experience.
• Leadership role responsibilities include participation in company meetings, community events, and ambassadorship activities, potentially a weekend or evening commitment.

General Requirements

• Work in a safety‑conscious manner ensuring that safe work practices are used so as not to pose a risk to self or others.
• Adhere to the Drug‑Free Workplace policy.
• Comply with company policies and procedures and local, state, and federal regulations.

Physical Requirements

• Prolonged periods of sitting at a desk and working on a computer.
• Some standing, walking, kneeling, stooping, bending, and lifting.
• Must be able to lift up to 15 pounds at times.
• Must have access and be able to navigate each department at the organization’s facilities.

Benefits

State Employees Credit Union offers a highly competitive benefits package.

Application Deadline

Applications must be received by Human Resources.

Equal Opportunity Employer

State Employees Credit Union of New Mexico is an Equal Opportunity Employer, including disabled and veterans.

Equal Opportunity Employer, including disabled and veterans.

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