AVP Lending Operations & Credit Management

Overview

Canvas Credit Union is committed to transforming financial services with a culture that emphasizes heart and people, education, support, and guidance for members to build strong financial futures.

Canvas focuses on balancing hard work and high achievement with a fun, supportive environment.

• Seriously good benefits
  :
  Medical/Dental/Vision Insurance, flexible time off, paid holidays, FSA, HSA, World Class 401(k) Plan, tuition reimbursement, rate discounts on qualifying loans, and potential incentives or discretionary bonus based on results.
• Starting pay range for this position is $160K-175K/annual
  , with final pay determined by experience, education, skills, and internal equity factors.

The AVP of Lending Operations and Credit Management oversees consumer lending operations and credit risk management for Canvas Credit Union’s multi-billion-dollar portfolio. Focus areas include direct and indirect loan underwriting, loan processing and operations, and credit analysis. The AVP acts as an assistant credit officer, ensuring exceptional member service, operational integrity, and alignment with organizational goals. They supervise consumer loan underwriters, lending services specialists, loan operations specialists, title specialists, and leaders in those lines of business.

They lead a motivated, well-trained staff to provide excellent member service while balancing credit risk, and provide leadership to meet strategic goals as a management team member.

• Oversee, develop, and lead lending operations and credit risk teams; maintain effective credit analysis practices to meet loan production and portfolio yield objectives.
• Create a positive work environment, ensure optimum staffing, and provide strategic direction to deliver member service excellence and achieve consumer lending goals.
• Manage all personnel functions including hiring, training, monthly one-on-ones, performance management, scheduling, cross-training, succession planning, and timekeeping.
• Develop subordinate leaders and team members; conduct annual performance reviews and provide ongoing guidance, training, and direction aligned with the Credit Union’s plans and objectives.
• Oversee consumer loan application decision processes and milestones through closing, documentation, and funding.
• Review business needs, confer with users to evaluate requirements, and discuss solutions using technology enhancements to develop plans of approach.
• Build relationships with business partners, regulators, credit unions, CUSOs, and internal managers to achieve Canvas’ strategic objectives.
• Collaborate with indirect CUSO relationships and participating credit unions to implement strategic initiatives aligned with lending strategies.
• Maintain accurate portfolio risk variances and trends; report on lending performance to the Executive Team and Board of Directors.
• Manage credit risk analysis and underwriting standards to ensure capacity to pay, collateral, credit quality, and other risk factors support objectives and goals.
• Ensure regulatory compliance of loan policies, programs, objectives, and goals; partner with leaders to manage dealer relationships and indirect portfolio management.
• Collaborate with other departments to achieve credit union initiatives; recommend processes and policies related to consumer lending; ensure compliance with regulations and operational integrity (BSA, etc.).
• Suggest improvements to member experience through processes and technology; support lending promotions and strategic initiatives.
• Provide strategic direction on operational issues, employee development, and goal setting; assist in training branches on consumer loan features, rules, and regulatory issues.
• Provide analysis for recommended controls and models; assist in resolving complaints related to loan products and services.
• Promote and contribute to departmental, branch, and organizational goals; stay informed on industry developments and share best practices across the organization.
• Follow safety and security guidelines to safeguard member and organization assets; remain committed to ongoing education and learning new…