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 resources,establishexecution 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

• Bachelor’s 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 notrequired.

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 ideas,methodology, 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