SVP of Lending - Knoxville, TN

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SVP of Lending

The SVP Lending is responsible for developing the vision and executing upon our lending strategy from current state to re‑imagined state with inspirational leadership. With the goal of delivering the winning proposition in support of the organization’s commitments to their members and community alike. Responsible for directing and coordinating all lending activities within the Credit Union, ensuring compliance with Credit Union lending policy, state and federal regulations;

assists in development of lending policy; manages lending activity to meet Credit Union goals and objectives, and ensures strong credit quality while maintaining concentration risk metrics and the safety and soundness of the portfolio. Seeking a candidate with extensive expertise in consumer lending across both direct and indirect channels. Must possess a deep understanding of mortgage and commercial lending, as well as consumer loan operations and mortgage loan servicing.

A strong grasp of the Credit Union Service Organization (CUSO) model is essential. Demonstrated expertise in developing and maintaining comprehensive procedures and policies to manage the daily operations and strategic needs of the department. This includes ensuring that all processes align with the day‑to‑day requirements of running the department efficiently. Must also maintain the ability to stay current on all changes affecting the Credit Union and effectively communicate these updates to the department to ensure ongoing compliance.

• Provides strategic leadership and direction across all lending Lines of Business, including Commercial Lending, Mortgage Lending, and Consumer Lending. Actively supports organizational goals by driving loan growth, operational efficiency, and service excellence. Leads direct reports through clear goal setting, effective delegation, accountability, and consistent communication to ensure alignment with the Credit Union’s mission and objectives. Manages, coaches, develops, and inspires team to meet or exceed performance objectives and goals.
  
  This includes establishing development plans for future growth and succession planning. Develops and directs the administration of a multi‑million expense budget which includes staffing, negotiations, managing vendor relationships/expenses, analyzing reports, initiating process improvements, and reducing cost.
• Holds managers accountable for financial performance and collaborative expectations. Reviews monthly cost center reports, perform ad‑hoc analysis and be closely involved in goal setting through the budget process. Sets goals, monitors work and evaluates results to ensure that departmental and organizational objectives and compliance requirements are met and are in line with the needs and mission of the organization. Continual assessment and optimization of our loan portfolio performance utilizing data analytics tools and insights to maximize our loan‑to‑deposit ratio.
  
  Maintains a high credit quality within the loan portfolio by continually evaluating underwriting standards, overseeing the ongoing monitoring of the loan portfolio, and aligning to our robust collections strategy to ensure proper risk rating and reserve levels. Ensures the development and maintenance of an effective organization for area(s) of responsibility to include efficient workflow patterns; established performance standards; effective delineation of duties and responsibilities;
  
  suitable staffing levels; appropriate supervision; and systems for timely communication of pertinent information.
• Responsible for loan policy, including periodic revisions and required annual approvals. Assesses and updates lending policy guidelines to meet all safety and soundness requirements along with prudent underwriting criteria. Develops policy compliance reporting to ensure that all relevant policy limits are monitored and any differences are promptly addressed. Ensures that robust internal preventive and detective controls are in place and consistently maintained across Mortgage, Consumer, and Commercial…