Vice President of Lending

When joining USF Federal Credit Union, you can expect to work for a company that:

• Strives to be the most influential partner in our Members’ financial journey.
• Has been recognized with awards such as the “Sterling Governor’s Award for Excellence” and League of Southern Credit Unions & Affiliates “Credit Union of the Year”.
• Has a culture of engagement, growth, process improvement and community volunteerism.

What’s in it for you:

• Competitive pay, robust incentive programs, 401k matching, Mortgage and Auto Loan discounts
• 4 weeks minimum paid time off work, work anniversary paid time off, 11 paid holidays and 8 hours paid volunteer time off.
• Medical, Dental and vision plans with FSA option. (Employee Only Premiums for Dental and Vision are 100% Credit Union covered).
• 100% Credit Union Paid Short-Term and Long-Term Disability and Life Insurance
• Employee Assistance Program
• Undergraduate and Graduate Tuition Reimbursement
• In-depth New Employee Orientation showcasing Credit Union Values and Vision
• A Think Big culture dedicated to performance excellence and continual growth

Position Summary

To direct the delivery of lending and business services to members through commercial, consumer, indirect, and real estate lending; participate in development and implementation of organizational strategic plans with a primary responsibility to ensure the credit union meets organizational, financial, operational, service, and growth plans. Participate in the general management of the organization as member of Senior Management Team including frequent interaction with board of directors.

Essential Functions Include:

• Commercial and Business Lending, Consumer, Indirect and Real Estate Lending: Lead team of directors to ensure lending strategy meets organizational goals and objectives. Monitors product delivery, processes, and service quality for lending and commercial services teams. Provides guidance, recommendations, and approves underwriting decisions for employees. Establishes annual sales goals in coordination with SVP/COO and direct reports for loan and deposit products, initiates actions to achieve the goals and meet organizational strategic objectives.

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  Card Portfolio: Leads strategy and direction for credit, debit, prepaid, ATMs, and payroll card programs. Ensures regulatory compliance and business continuity. Oversees selection and management of vendor relationships, ensures proper configuration of systems and networks, participates in card portfolio management, analyzes and controls expenses and fraud mitigation efforts.

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  People Management: Hires, reviews, schedules, trains, directs, and monitors the work of direct reports with an emphasis on robust leadership development. Keeps Chief Operating Officer apprised of leadership development efforts. Conducts performance reviews. allocates resources to meet operational needs within the department. Responsible for attracting and retaining top quality talent.

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  Collaboration: Builds and maintains relationships through all areas of the organization. Collaborates weekly with retail leadership and business development, visits all retail locations, is present and on site with staff to foster trust and teamwork.

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  Member Experience: Prioritizes the needs and experience of our members and team members above all else. Responds with urgency and decisiveness.

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  Product Development: Oversees development, and implementation of commercial and consumer loan/deposit program strategy and policy; leads activity related to new product development with respect to commercial and consumer loan and deposit programs and products. Champions innovation in our lending strategy.

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  Regulatory Compliance: Ensures the organization is in compliance with all applicable laws and regulations. Is informed of changes and responds accordingly on behalf of the organization. Serves as a member of the ALCO and Lending Strategy Committee.

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  Community Engagement: Represents the Credit Union in its relationships with members, sponsor organization(s), other financial institutions and similar groups.

Reports to:

SVP/Chief Operating Officer

Manages

Sr. Director of Consumer Lending & Commercial Services, Sr. Director of Commercial Lending, Director of Mortgages

Required Education and Experience:

• Bachelor’s degree obtained through a formal 4-year program at an accredited educational facility. Master’s (MBA) degree preferred.
• Minimum of 10-years of previous financial institution experience.
• Minimum of 3-years of comprehensive commercial services experience preferred.
• Minimum of 5-years of real estate and consumer lending experience.
• Prior retail/member/customer experience management strongly preferred.

Additional Skills

• Able to communicate effectively and tactfully with credit union members, team members, and board members both orally and in writing.
• Build and maintain an external network.
• Excellent technical aptitude and knowledge of Excel.
• Must have excellent conflict resolution skills.
• Being a team player who is considerate of other employees.
• Ability to multi-task under pressure.
• Maintain a professional appearance and demeanor.
• Ability to motivate or influence others with a significant level of diplomacy and trust.
• Strong time management and organizational skills.
• Demonstrated interpersonal and collaboration skills.
• Superior verbal and written communication skills.
• Excellent presentation skills, confident in all settings with individuals at all levels of the organization both internal and external.
• Must demonstrate a functional knowledge of the Bank Secrecy Act in addition to other Federal laws, including but not limited to: U.S. Patriot Act, Office of Foreign Assets & Control, Anti-Money Laundering, Right to Financial Privacy Act, and the Bank Bribery Act.

Work Environment:

This job operates in an office setting and routinely uses standard office equipment. This position does include some remote work.

Physical Requirements:

Sitting frequently, walking occasionally, use of hands frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10lbs of force occasionally to life, carry, push, pull, or move objects.

Position Type/Expected Hours of Work:

Full-Time/40 hours per week

Classification

Exempt

Other Duties

Please note this job description is not a comprehensive list of activities, duties or responsibilities that are required in this position. Duties, responsibilities and activities may change at any time with or without notice.

About Us:

For 65 years, USF FCU has experienced rapid growth and is dedicated to delivering financial solutions to improve our members’ lives. Our success is thrilling, but our core values of excellence, passion, innovation, community, and collaboration mean our relationships with our members and our employees will always be our top priority! We have grown to over 70,000 members and $1.1 billion in assets, robust online and mobile banking, 9 branch locations and thousands of shared branches and fee-free ATMs nationwide.

Our vision is to be the most influential partner in each member’s financial journey.

Our mission is to deliver financial solutions to improve members’ lives.