Providence Federal Credit Union

Oregon and Washington

Staff

Brett Wooden
bwooden@providencecu.org
(503) 513-8754
(503) 513-8770

10/7/2017

Job Description:

The AVP of Lending role must demonstrate considerable knowledge of the principles and practices of loan origination, credit quality management, portfolio management, secondary market sales and purchases, asset quality, recoveries and compliance. Also, have direct experience in consumer, loan origination, collections, and lending systems and delivery channels.

Essential Functions:

  • Assist in the planning and directing of the consumer loan portfolio ensuring well-designed and profitable products and services
  • Develop, implement, and monitor department goals, objectives and strategies through a logical course of establishing, reviewing and budgeting resources to meet the Credit Union’s needs
  • Participate on the management team by contributing ideas and concerns
  • Assist by participating in the strategic vision of the department and credit union
  • Analyze, justify, and recommend changes in operations to enhance productivity

Reports to the Chief Retail Officer. Manages the Lending employees at the Milwaukie Office Location.


Education/Experience Required:

Education/Experience: College degree or course work preferred. 12 months to 24 months related experience and/or training in a related position; or equivalent combination of education and experience. 5+ years’ solid experience in loan servicing, of which 3 years’ experience is supervising staff; at a financial institution and in a centralized lending environment.

Communication Skills: Ability to maintain accuracy and professionalism in a variety of written and verbal mediums, including presentations, performance evaluations, and procedure manuals.

Reasoning Ability: Ability to solve practical problems and deal with a variety of issues where some situation will only have limited standardization.

Strong leadership skills. Aptitude for developing/coaching and inspiring staff.


Additional Comments:

Employee Management

  • Supervise the Lending employees by overseeing the hiring, terminations, evaluations, daily operations and development of the team
  • Cross-train team to ensure proper departmental coverage and knowledge
  • Communicate Credit Union objectives, strategic plan and mission statement to team
  • Develop and implement a staffing plan
  • Review job functions to ensure maximum efficiency and recommend staffing changes as necessary
  • Ensure staff remains current and knowledgeable on regulations and compliance

Departmental Management

  • Underwrite consumer loan requests that are outside of normal policy
  • Establish and monitor monthly/quarterly/annual performance reports
  • Establish, implement and maintain the organization’s consumer underwriting policies and procedures
  • Update forms to assure compliance with applicable state and federal laws and regulations
  • Develop and implement an annual departmental budget assuring that the budget meets organizational goals, identifying and recommending capital expenditures, maintaining budget constraints, and identifying and recommending staffing expenditures
  • Monitor the relationship with all indirect and recapture vendors and ensure arm’s length involvement between loan officers and vendors
  • Monitor the performance of all loan officers and the effectiveness of all programs to meet original purpose and goals
  • Assist processing staff with funding issues
  • Assist with problem accounts, liquidation and issues as needed

Strategic Purpose

  • Assist in the planning and directing of the consumer loan portfolio ensuring well-designed and profitable products and services
  • Develop, implement, and monitor department goals, objectives and strategies through a logical course of establishing, reviewing and budgeting resources to meet the Credit Union’s needs
  • Participate on the management team by contributing ideas and concerns
  • Analyze, justify, and recommend changes in operations to enhance productivity
  • Assist by participating in the strategic vision of the department and credit union