VP Consumer Lending

The Vice President (VP) of Consumer Lending is responsible for the strategic direction, leadership, and performance of the credit union's consumer lending portfolio, including direct, indirect, and digital lending channels.

This role ensures lending products, services, and policies align with organizational goals, regulatory requirements, and Member needs while driving growth, profitability, and risk mitigation.

The VP of Consumer Lending serves as a key member of the lending leadership team, fostering a culture of accountability, service excellence, and innovation.

• Develop and execute the long-term vision and strategy for consumer lending, ensuring alignment with the credit union's mission, growth goals, and Member service objectives.
• Monitor market trends, Member needs, and competitor activities to identify opportunities for product innovation and portfolio growth.
• Partner with the lending leadership and other executive leadership to shape lending policies, credit risk appetite, and strategic initiatives.
• Oversee all consumer lending functions including auto, recreational vehicle, personal, and credit card.
• Establish and monitor key performance indicators (KPIs) for portfolio growth, loan quality, delinquency, profitability, charge-offs, and Member satisfaction.
• Conduct profitability and risk analysis across products, recommending changes to pricing, underwriting, and credit policies.

• Lead, coach, and develop consumer lending supervisors and staff to build a high-performing, Member-centric culture.
• Assist in leading, coaching, and developing indirect lending supervisors and staff to help build a high-performing indirect/dealer lending department.
• Foster accountability and professional development through performance management, mentoring, and succession planning.

• Extensive experience in consumer lending, including loan origination, underwriting, portfolio management, and risk mitigation.
• Strong leadership skills, with the ability to mentor and guide direct reports.
• Deep understanding of regulatory requirements and compliance in consumer lending.
• Experienced leading projects and initiatives that drive both operational and organizational impact.

• Education or experience equivalent to a bachelor's degree in business, Law, Finance, Fin Tech or a related field, in addition to 10 plus years of progressive experience in fraud, risk, security, compliance programs, and/or financial institutions.
• Experience leading various risk and compliance teams within a financial institution is preferred.

State Employees Credit Union of New Mexico is an Equal Opportunity Employer, including disabled and veterans.