VP Consumer Lending

We recognize that in order to meet the needs of our communities, we must represent our communities. Our success relies on creating a culture where we have diverse perspectives and a true sense of belonging. This is a journey, and we pledge to do more than simply check the box.

When you join the Meritrust team, your benefits will include:

• Comprehensive medical insurance plan
• Dental and vision insurance
• Generous paid‑time‑off
• 12 paid holidays
• 401(k) plan
• Wellness program
• Tuition assistance
• Annual bonus (dependent upon meeting organizational scorecard metrics)
• Employee loan discount
• Employee Assistance Program (EAP)
• Life and disability coverage

• Career development and pathing opportunities to move into leadership roles or other lines of business within MCU such as Commercial Lending, Finance, Marketing, Underwriting, Member Solutions, Training, Human Resources, and more.
• Supportive and engaging work environment.
• A wellness and sustainable work culture that puts family, Mother Nature, our community, and your health first.
• A work environment that encourages personal as much as professional growth, teamwork to make the dream work, and treating everyone equally.
• Studies have shown that individuals from marginalized and/or historically underrepresented groups may be less likely to apply for jobs unless they meet every one of the qualifications listed. We are most interested in finding the best candidate for the job. We would encourage you to apply for a job at Meritrust Credit Union, even if you don't meet every one of our qualifications listed.

This is a full‑time position working 40 hours a week, Monday‑Friday 8:00 am ‑ 5:00 pm.

Responsible for the administrative, strategic and supervisory functions of the Consumer Lending Department. Develops and manages the operations and establishes strategies that are aligned to organizational objectives, enhancing service to our members and maximizing the profitability of the consumer loan portfolio. Establish policies, underwriting guidelines, performance tracking and process enhancement. Manages vendor relationships including identifying vendors to improve efficiencies and enhance product offerings.

• Directs the development and implementation of strategy for the consumer lending (direct/indirect/home equity) departments and ensures execution to deliver on growth objectives for loan originations, fee income, interest income and return on assets.
• Drives process efficiencies through technology, product and service innovations. Utilizes data to formulate effective business strategies in support of objectives.
• Leads activities related to offering new lending products and/or existing product enhancement. Includes staying abreast and researching product trends, working/partnership with vendors for innovation in products or service delivery.
• Develop market analysis data that is used to identify market trends and support consumer lending initiatives.
• Evaluates the direct/indirect and home equity loan portfolios, analyzes developing trends and recommends changes/improvements in alignment with credit union standards, practices and organizational risk tolerance to ensure quality and profitability.
• Monitor competitive pricing and product features positioning to allow for optimized pricing.
• Participate in the Asset/Liability Committee to monitor economic conditions, adjustments, and effects on the credit union portfolio and appropriate pricing responses to competitive markets.
• Monitor product offerings, sales and product sales penetration to ensure members are protected and staff are fully versed on product offerings and sales techniques.
• Ensure delivery of service expectations; monitor results including NPS, member and employee feedback to achieve objectives for service, profitable growth, efficiency and exceptional member experiences.
• Make process or service delivery adjustments to enhance application/closing process for members.
• Responsible for loan participation due diligence, not limited to reviewing underwriting standards, processing standards, and loan policy guidelines.
• Oversee underwriting and loan fulfillment…