Chief Lending Officer

*Amazing Opportunity with Credit Union 1*

Read on to find out what you will need to succeed in this position, including skills, qualifications, and experience.
Chief Lending Officer Credit Union 1Anchorage, AK
Postion SummaryThe Chief Lending Officer Directs, coordinates, and establishes all credit union wide activities related to the extension of credit to the membership in accordance with established policies and procedures. Organizes, directs and supervises the Consumer Loan, Real Estate and Member Assistance departments. Contributes to the development of plans and strategies to meet the short & long-term strategic objectives for the credit union. At the direction of the President/CEO, oversees theimplementation of new credit union products and services and completes other special projects.In all dealings with the public, members and employees responsibility or ownership is taken andtimely follow up is done on pending issues.
Essential Job Functions
Lending OperationsProvides general direction and maintains control of the Consumer Loan, Real Estateand Member Assistance Departments and of the credit union wide lending andcollection efforts in general to maintain a level of member service consistent with thegoals and objectives of the credit union. Makes recommendations to executivemanagement for changes to improve member service.Monitors the quality, mix and size of the loan portfolio and recommends changes toloan programs and to lending and collections policies to maintain loan/share,delinquency and charge-off ratios within target ranges as established in the budgetand annual plan and approved by the Board of Directors.Promotes organizational efficiencies to improve quality and quantity of memberservice with technology, enhanced employee productivity, and communication.Responsible for the successful implementation and ongoing performance of all loanproduction goals for the credit union.Identifies; researches; and evaluates new lending programs (consumer and real estate)for credit union members and makes recommendations to executive management.Assesses new programs for their potential for increased growth and expansion of theloan portfolio, impact on the overall level of portfolio credit risk and costeffectiveness.Coordinates, monitors, and controls the centralized consumer, real estate loanadministration, ancillary loan products and servicing systems. Ensures that systemsare efficient and effective, contribute to a high level of member service, and protectthe value of the credit union's loan portfolio.Contributes to the growth of the credit union and member satisfaction by assistingmembers in resolving lending related problems. Handles member complaints andproblems in a tactful and courteous manner at all times.Approves or denies credit requests that exceed the lending authority of the loanofficer handling the loan application in the absence of the Vice President ofConsumer Loans.
Oversight ResponsibilitiesOversees the activities of the lending area of the credit union, including real estate,consumer lending and the collection functions through the direct supervision ofMember Assistance Manager, Vice President of Real Estate and Vice President ofConsumer Loans.Supervises, organizes and coordinates the Consumer Loan, Real Estate and MemberAssistance Departments. Acts as the direct supervisor for these departments in theabsence of the manager. Fills in temporary "gaps" in staffing as necessary to ensure aconsistent, appropriate level of member service.Oversees the training and development of loan underwriters’ credit union wide, withassistance from the Chief Operating Officer, or their designee.
Strategic PlanningAs a member of the executive team and senior management team, develops andrecommends plans and strategies to meet the credit union's objectives for service,growth, volume and profitability. Works collaboratively with peers to ensureconsistent support of the strategic plan, mission statement and CU1 pledge,demonstrating in daily interactions a commitment to the overall success of theorganization.In conjunction with the Vice Presidents and Managers, prepares, manages andmonitors the consumer, mortgage, loan insurance and collections budgets andbusiness plans.Identifies areas of cost savings and in conjunction with executive management seeksto improve productivity.
ComplianceEnsures lending systems, procedures and documentation are consistent with federaland state laws and regulations.Must be registered with the National Mortgage Licensing System or becomeregistered within 90 days of hire.Is responsible for ensuring annual registration requirements for the position are met.Responsible for department’s participation in every aspect of the Record Retentionprogram. This includes the creation, identification, use, storage, and destruction inaccordance with the policy.
Other Duties as AssignedCommunity service is required of all management staff. While some may occurduring work hours with the permission of the President, some must also occur outsideof normal working hours, at a minimum of twice per year. Community service isdefined as serving on a non-profit board of directors, volunteer participation infundraisers for social services (other than occupying a seat at a Credit Union 1 paidfor table), and participation in other social services events. In addition, attendance atmanagement mandated events will be required.Meets the current standards as established for the department in the completion of allassigned duties.Performs other duties as assigned.
QualificationsHigh school graduate or equivalent with a four-year degree in related field such asbusiness management, finance, accounting, economics, etc.7-10 years of experience in a financial institution with at least five years in a seniormanagement position is also required. Experience in lieu of education will be considered.Must have excellent written and verbal communication skills.Must possess the ability to work well under pressure and be capable of working in atactful, diplomatic and effective manner with members, all levels of credit unionpersonnel, professionals serving the credit union and external auditors and regulators.Responsible for abiding and complying with the policy for compliance with the BankSecrecy Act and anti-money laundering laws and regulations (BSA/AML) and the policyfor compliance with office of foreign assets control laws and regulations (OFAC).
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