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Credit Union of Atlanta · 3 months ago

Senior Vice President of Operations and Lending

Atlanta, GA

Full-time

Onsite

Mid, Senior Level

7+ years exp

Credit Union of Atlanta is seeking a Senior Vice President of Operations and Lending to ensure that its operational and systems infrastructure supports the execution of its programs and services. The role involves providing strategic leadership in lending operations, managing compliance, and driving innovation to maintain member satisfaction and organizational growth.

BankingFinancial ServicesLending

Responsibilities

Provides leadership coverage as needed for the Retail Branch, Lending, Collections, Marketing and Contact Center

Directs the overall lending operations of the credit union through active leadership of the lending and collections teams with Senior Management

Initiates, plans, and coordinates the development of superior products that build loyalty and create sustainable competitive advantage by monitoring industry trends in new/future product demand, analyzing competitor products and strategies, verifying alignment of all products and services and encouraging product innovation with CUA’s strategic plan

Directs the continuing development of operations to ensure future Credit Union growth and effective service delivery in order to maintain high levels of member satisfaction and strong member relationships

Participates as a member of the Member Business Lending Committee (MBLC) to ensure the proper structuring and approval of larger commercial credits within the portfolio

Provides organizational and strategic leadership to all direct reports in the areas of budgeting/forecasting, long-range planning, visioning, strategy development, human resource planning, process improvement and service quality

Defines and shares vision of success with key stakeholders and employees to create buy-in and support, emphasizing the need to achieve alignment with the multi-channel member access strategy

Identifies potential barriers to success and develops alternatives for overcoming those barriers

Monitors the overall quality of the credit union loan portfolio to ensure optimal asset quality, the adequacy of the loan loss reserve account, and to meet long-term strategic loan loss objectives

In connection with Marketing, develops and implements long range and short term strategic plans for most favorable loan portfolio growth

Responsible for comprehensive, strategic management of retail, mortgage and commercial loan products and related services including, but, not limited to product development, ROI analysis, competitive analysis, internal and external product promotion

Analyzes and determines areas of potential program improvement or cost reduction within areas of responsibility

Analyzes loan products for feature, function, and pricing competitiveness within market served

Provides loan product trend reports with concentration on account growth rates, balance growth rates, and profitability growth rates by product type

Develops and is accountable for the successful achievement of measurable financial and operational success indicators

Manages and reports on allocated operating budgets and departmental profit and loss

Continuously evaluates feasibility of strategy based on developments in competitive environment as well as internal resources, recommending changes or new courses of action as appropriate

Designs methods to ensure collaboration and operational integration across various departments to support strategic change in channels. Develops processes to plan, manage, execute and communicate specific channel initiatives, including prescribed procedures for working within and across departments

Collaborates with other leaders to determine the desired member experience by channel segment. Clearly defines “excellent member service”, and develops effective teams who provide high quality service and solutions, consistent with the desired member experience

Develops, executes and manages short-term and long-term sales plans across the two key product group segments (deposit and loan products), adapting sales strategies according to the differences and complexities of each segment

Develops and promotes culture that actively cross-sell products and services within the confines of the credit union sales culture

Creates high-performing teams that drive credit union lending and deposit goals

Prepares and monitors annual budgets for assigned responsibilities

Assists the President in articulating the Credit Union’s mission

Supports the President in representing the Credit Union as needed in regulatory or formal functions and with local, regional and national constituencies

Participates on various boards, committees, and external activities

Participates in the annual performance review process, including writing and delivering reviews

Actively promotes the mission of the Credit Union within the organization and throughout the communities served by the Credit Union

Qualification

Lending OperationsFinancial ManagementStrategic PlanningProject ManagementRegulatory KnowledgeOperational PerformanceSalesService DeliveryData AnalysisPublic SpeakingChange ManagementInterpersonal SkillsAdaptabilityTeam LeadershipCommunication Skills

Required

Bachelor's degree in business, finance, or related field required

Minimum of 7 years of continuous operational management experience in a financial institution and 5 years in senior management role

Credit Union experience a bonus

Multiple years in a Commercial and/or Mortgage lending environment

Strong knowledge of the fundamentals of the financial industry required

Exceptional leadership and influencing abilities

Comprehensive understanding of how best to position and lead an organization to its next level

Strong lending, collections, financial and operational expertise

Demonstrated ability to define and implement project management processes and systems

Experience in branch operations

Extensive financial product/service business knowledge in the areas of mortgage, commercial and consumer loans, collections, investments/savings and legal compliance

Strong understanding of and the ability to leverage trends in consumer behavior and consumption, technology and internet advancements, and human resource management

Track record of successfully managing change, process improvement, and operational performance

Proven track record leading and managing high performing sales and service delivery teams within the financial services industry

Experience with other alternative delivery channels

Ability to drive integration across divisions and results through superior retail delivery and service management

Strong operational and financial management skills (policy and procedures development, process analysis, management and improvement, budgeting, variance reporting, balance sheet, income statement)

Ability to develop, track and monitor metrics across all divisions, refining strategy as appropriate

Demonstrated experience developing and defining business goals, and aligning the appropriate resources to ensure success

Strong project management and multi-tasking skills, including strategic planning

Excellent communication skills in English, both verbal and written

Strong PC skills, with intermediate knowledge on Microsoft Excel, Word, PowerPoint and Outlook

Superior interpersonal skills; ability to get along with diverse personalities; tactful, mature, flexible, compassionate

Ability to make recommendations to effectively resolve problems or issues, by using judgment that is consistent with standards, practices, policies, procedures, regulation, or government law

Able to hold divisions, departments and individuals accountable for their results

Able to make high-level decisions in an ambiguous environment

Able to identify and evaluate business threats and opportunities

Must be able to work under pressure of time deadlines

Ability to read and absorb numerous business-related publications and industry data

Must be able to motivate employees and build effective teams

Must be resourceful and well organized, with strong attention to detail

Ability to research and analyze various types of data and information

Must be flexible and able to shift resources and priorities as required

Must be able to work in a general office environment

Should possess a strong commitment to providing excellent service to CUA's members

Capacity to lead, coach, build consensus, and gain support for Credit Union goals and objectives, while cultivating teams who excel to the next level of performance, both from a revenue and service delivery perspective

Ability to successfully utilize active listening, consultative sales, coaching, facilitation and mediation techniques

Demonstrated ability to bring innovation and lead efforts to transform an organization; must be adept and comfortable at playing the role of 'change agent'

Strong presentation skills; ability to effectively present information to executives, management, Board of Directors and various public groups, and interact effectively and respond to questions/inquiries from employees, managers, attorneys and the general public

Superior Sales and Service Delivery skills

Ability to develop and successfully implement Credit Union strategies, budgets, goals

Capacity to effectively and professionally interact with Community Leaders, Business Leaders, Media, Vendors and represent the Credit Union at various Community and industry events

Ability to read, analyze and interpret technical material and procedures such as financial reports, governmental regulations and legal documents

Ability to uphold confidentiality standards

Ability to define problems, collect data, establish facts and draw valid conclusions to successfully compile and draft analysis and reports

Exemplary time management skills; ability to achieve deadlines while accurately and efficiently managing multiple priorities/tasks simultaneously in a fast-paced environment

Capacity to deal with abstract (strategic) and concrete (tactical) variables

Ability to present a professional appearance and demeanor at all times and hold others to this standard