Vibrant Credit Union · 6 hours ago
VP Credit Risk
Moline, IL
Full-time
Onsite
Senior Level, Lead/Staff
10+ years expVibrant Credit Union is seeking a VP of Credit Risk to oversee all credit-related activities within the credit union. This senior leadership role includes responsibilities in underwriting, commercial lending, credit risk management, and ensuring compliance with regulatory standards.
Financial Services
Responsibilities
Participate in the development of corporate strategies and policies
Lead the Credit Division in alignment with the credit union’s mission and strategic goals
Provide strategic advice on all credit matters to the executive team
Oversee underwriting standards and ensure consistent application across all loan types
Perform underwriting duties as business requires
Review and approve loans within assigned limits; escalate as needed
Ensure credit adjudication complies with internal policies and regulatory guidelines
Direct the commercial lending team in origination, structuring and underwriting of loans
Pursue new business opportunities and maintain relationships with business and community partners
Monitor commercial loan performance and recommend adjustments to mitigate risk
Oversee consumer loan portfolios including auto, equipment, mortgage, personal loans, and lines of credit
Ensure compliance across all retail lending operations
Responsible for assessing risk and recommending participations and pools for purchase
Establish pre and post purchase quality control underwriting reviews of purchased loans
Develop, revise, and implement credit policies and procedures
Respond to audit findings and ensure regulatory compliance
Monitor risk indicators and recommend mitigation strategies
Provide coaching and performance management for direct reports
Foster a culture of continuous improvement and professional development
Prepare and present reports on credit performance, risk, and strategic initiatives
Collaborate with other departments including Finance, Operations, and Marketing
Qualification
Required
Bachelor's, MBA, CPA, or equivalent advanced degree preferred
10–15 years of experience in credit and lending, with at least 5 years in a senior leadership role
Proven expertise in commercial and consumer lending, underwriting, and credit risk
Strong leadership and interpersonal skills
Deep understanding of credit union philosophy, structure, and regulatory environment
Hands on leader who actively participates in day-to-day underwriting tasks
Company
Vibrant Credit Union
Vibrant Credit Union provides banking services.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Matt McCombs
President/CEO
Recent News
Business Insider
2025-04-26
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