Vice President, Consumer Lending

Redwood Credit Union is a not-for-profit financial institution that believes in people over profits.
Our mission is to passionately serve the best interests of our Members, team members, and communities.
Sticking to that vision has made us one of the most loved financial partners in the many communities we serve.
In fact, RCU is the 8th largest credit union in California—and growing.
Due to this growth, we recently completed construction on our new, 8-acre campus in Napa and are ready to welcome more than 500 valued team members! Since 1950, Redwood Credit Union has been helping people reach their financial goals and dreams with a focus on helping others.
That people-first approach holds true for our employees, too.
Our work environment is built on service and trust.
It's all possible with a leadership team committed to hiring talented people and helping them develop their careers.
If this sounds like a place you’d like to be, we’re eager to meet you! The VP of Consumer Lending is responsible for driving a strategic plan and directing all consumer lending activities for Redwood Credit Union (“RCU”).
These activities include the following products: direct and indirect auto loans, recreational vehicles, credit cards and Signature loans, etc.
Emphasis is placed on providing excellent Member experiences, significantly growing the business (while minimizing loan-loss exposure), recruiting, developing, and retaining superior team members, and managing sound operations.
Essential Functions Review and identify cost-effective utilization of all resources.
Lead and direct the management of human capital to ensure the availability of skills and abilities needed to meet RCU’s vision, mission, values, and service doctrine.
Communicate with senior management regarding all aspects of consumer lending, procedures, policies, and strategies.
Identifies potential for losses by monitoring loan portfolios and taking/recommending remedial action.
Recognize problems, issues, and opportunities; evaluate and consider alternatives; develop, present, and recommend strategic and tactical opportunities; and make appropriate decisions.
Attend and actively participate in Leadership team meetings, staff meetings, strategic and operational planning sessions, etc.
Serve on and/or direct a number of committees to strive for consensus in order to ensure effective interface and communication of policies, programs, and goals among lending services, other departments, and branches.
Manage the overall development of lending through business-development programs, motivate staff to sell and market RCU, and partner with marketing and analytics to take an active role meeting our Members’ needs.
Own and direct the Consumer Lending Pre-Approval strategy to ensure proper outreach to our Members at the right time, with appropriate risk levels, and with the correct offering.
On behalf of RCU, “own” the relationships with key assigned vendor partners such as MeridianLink and CU Direct.
Additionally, provide leadership and participation in industry trade groups, advisory boards, etc.
Participate in and represent RCU at internal and external events, conferences, and community functions.
Recruit, select, train, motivate, coach, mentor, and evaluate reporting staff.
Lead and direct all consumer loan activities: origination, processing, underwriting, closing/funding, and servicing of all consumer loans.
Develop and implement loan pricing (via ALCO) and portfolio management strategies that will meet or exceed return on asset targets while meeting loan growth goals.
Evaluate lending products, policies, procedures, practices, documents and forms to assure efficiency, compliance, and Member service.
Provide exceptional service to all external and internal Members and clients.
Continually assess the competitiveness of all programs and practices against the relevant comparable companies, industries and markets; balance the needs of RCU and the needs of Members.
Establish and maintain credibility throughout RCU by being an effective listener and problem solver for team members on all lending related issues.
As a member of the Leadership team, help formulate plans and policies affecting the overall performance of RCU.
Lead and develop the annual business and budgeting process for consumer lending to ensure alignment with the long-term goals and objectives of RCU.
Develop all consumer lending-related promotional programs in partnership with the Marketing team.
Education/Experience A combination of education and experience equivalent to a bachelor's degree in business administration, finance or closely related field, and a minimum of twelve years of progressively responsible experience with lending in a financial institution, with at least four years of that experience at a senior management level.
Base starting range: $152,000 to $200,000 annually, commensurate with experience.
Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity.
We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.
Redwood Credit Union offers a robust benefits package to our eligible employees including: · Competitive medical, dental, and vision insurance, mental health offerings · Employee performance incentive plan · Salary Advancement– Merit increase based on performance · 401(k) program with employer match · Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off! RCU Discounts and Perks- - RCU employees are eligible for a .
75% discount off RCU standard collateral auto loans - RCU employees are eligible for a 1% discount on all recreational or boat loan products - 2% discount off Visas and LOC Loans through RCU - 0% interest on garment, fitness, or home office equipment loan of up to $500 - 100% financing for employee purchased homes! Why work for Redwood Credit Union? · Local financial institution, providing unparalleled service since 1950 · Top 5 Healthiest Credit Union in the USA, rated by Glatt Consulting · Voted Best Places to Work in the North Bay 18 years in a row · World-class employee engagement scores · Rated Superior in Service by more than 90% of Members, surveyed by SF Gate · Recognized by Forbes as one of “America’s Best Small Employers 2023" Internal Team Members If you are a current Team Member, please apply through the internal careers page located in RCUNET.
Service ~ Trust ~ People ~ Cooperation We are an Equal Opportunity Employer