AVP of Lending

Join Heritage Financial Credit Union as Assistant Vice President of Lending

Be among the first 25 applicants.

Are you a dynamic leader with a passion for lending and operations?

Do you have a proven track record in Loan Servicing and Collections?

AVP of Lending Operations is our focus for the role. In this pivotal position, you will lead and oversee the Loan Servicing and Collections departments, ensuring timely and efficient resolution of consumer mortgages, collateralized consumer products, and personal loans while safeguarding the credit union’s assets and reputation.

Heritage Financial Credit Union is a member‑owned financial institution committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we foster a culture of excellence where employees can thrive.

Our core values are at the heart of everything we do.

• Integrity: We are honest and trustworthy in all of our dealings with members, employees, and the community.
• Excellence: We strive to provide our members with the best possible service.
• Teamwork: We believe that we can achieve more together than alone.
• Respect: We treat each other with dignity and respect.
• Community: We are committed to giving back to the communities we serve.

The AVP of Lending Operations is responsible for oversight of the Loan Servicing and Collection departments. As the department head of Collections, the AVP helps ensure effective and timely review and resolution of past‑due consumer mortgages, collateralized consumer products, and personal loans, while protecting the credit union’s assets, financial interest, and reputation. As the department head of Loan Servicing, the AVP oversees the activities of the Loan Servicing department.

The role ensures the departments provide service excellence and meet the credit union’s strategic goals, supporting personnel and maintaining superior member and internal service standards.

• Under the supervision of the VP of Lending, lead and direct the daily activities of the Loan Servicing and Collections departments, maintaining an efficient and highly effective loan servicing and collections process.
• Ensure all consumer account collection activity—collateral repossession, mortgage foreclosure, liquidation, and subsequent charge‑off processes—meets Credit Union, state, and federal lending regulations.
• Ensure compliance, accuracy, and efficiency of all loan servicing functions, including payment processing, escrow administration, statements, payoffs, lien releases, and all service reporting activities.
• Present timely and accurate reports to management.
• Maintain an efficient and highly effective loan servicing and collection processes.
• Manage all aspects of departmental staffing: attracting, hiring (where applicable), training, and mentoring each employee to their highest potential. Set departmental goals, establish performance minimums, and monitor production and track goals on a daily/monthly basis.
• Perform other job‑related duties as assigned.

Salary: $103,800 – $129,800 per year (depending on experience)

• Incentives and Merit Increases
• Paid Time Off & Paid Federal Holidays
• Medical, Dental, Vision & Life Insurance
• Employee Assistance Program
• Flexible Spending Accounts/HSA
• 401(k) with Employer Match
• Educational Assistance
• Paid Time to Volunteer

• 4‑year college degree preferred, plus five to seven years’ experience in lending and collections, with five years in a leadership role.

• Working knowledge of Bank Secrecy Act (BSA) requirements and compliance.
• Knowledge of TRID, FDCPA, and other compliance requirements.
• Familiarity with FNMA and other agency/investor products.
• Excellent communication and member service skills (both oral and written).
• Strong understanding of collection and loan servicing functions.

• Five to seven years of experience in lending and collections, with five years in a leadership role.
• Experience using PC‑based software, including Microsoft Office.
• Preferred proficiency with Encompass, Temenos, and Episys platforms.