State Employees Credit Union of New Mexico · 1 month ago
VP Consumer Lending
Santa Fe, NM
Full-time
Onsite
Mid, Senior Level
$114K/yr - $142K/yr
7+ years expState Employees Credit Union of New Mexico is seeking a Vice President of Consumer Lending to lead and manage the credit union's consumer lending portfolio. This role involves strategic direction, oversight of lending functions, and fostering a high-performing culture to drive growth and member satisfaction.
Financial ServicesHealth Care
Responsibilities
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
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
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
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
Qualification
Required
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 towards 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 or experience equivalent to a Bachelor's degree in Finance, Business, or similar field, in addition to (7) plus years' of progressively responsible experience in lending
Additionally, a minimum of (5) plus years of progressively responsible supervisory experience is required
Must be capable to execute all terms and conditions set forth in the Employee Handbook, including but not limited to: Work in a safety conscious manner which ensures that safe work practices are used in order not to pose a risk to self or others in the workplace
Adhere to policy on Drug Free Workplace
Comply with company policies and procedures and local, state and federal regulations
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 be able to access and navigate each department at the organization's facilities
Benefits
Highly competitive benefits package
Company
State Employees Credit Union of New Mexico
State Employees Credit Union has been providing exceptional care to our members since 1958.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Andy Ramos
President/CEO
Lindsay Jones
Executive Vice President/Chief Operations Officer
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