Vice President of Consumer Production Support

GENERAL SUMMARY ( What is done and why) The VP of Consumer Production Support oversees nationally centralized delivery and operations for United’s consumer and home equity lending programs. Responsible for loan quality of the consumer and home equity portfolios and is responsible for achieving the Credit Union goals. The position is responsible for all consumer and home equity underwriting, processing, and operations including direct, indirect and VISA.

This position is responsible for leading a team of Member Service Advisors who sell and deliver Credit Union loan products and services, including add-on products. ESSENTIAL FUNCTIONS, IN PRIORITY ORDER ( Majority of duties, but not meant to be all inclusive or prevent other duties from being assigned as necessary) Responsible for the sales, delivery, underwriting, processing, and Member support of all direct and indirect consumer loans and home equity loans and add-on products in accordance with guidelines and recommendations.

Grants exceptions on a case by case basis for loan requests that do not meet all market guidelines but provide acceptable credit risk for placing in the credit union’s loan portfolio. Time: 25% Manage, make recommendations, and implement improvements to the effectiveness of systems, workflow processes, and reporting. Lending systems include but are not limited to DNA and Power Curve.

Develop, maintain, publish, and educate departmental clients on Underwriting/Processing/Operations Service Level Agreements (SLAs); implement continuous improvement and practices to result in operational efficiencies, implementation of best practices, and consistent achievement of high service standards. Time: 15% Contribute to the development and management of the Indirect Strategy from an Operational perspective in collaboration with the Director of Indirect Sales.

Time: 15% Cooperate with and assist the Audit Department in all necessary internal and external audits and examinations. Work with the Regulatory and Legal Department in reviewing all existing and prospective consumer, home equity, and commercial lending regulations and implement and monitor all policies and procedures to assure compliance.

Participate and contribute reporting as requested as requested by ALCO, SAC, Enterprise Risk Management and all other teams or committees as assigned. Time: 10% Monitor Loan Operations Budget to insure all expenses are properly tracked and maintained within the General Ledger, and any budget variances are reviewed and addressed on a quarterly basis.

Time: 10% Participate in continuing education activities to maintain current knowledge in the consumer lending field (compliance, risk management, best practices, competitive service initiatives, etc.) Time: 10% Collaborate with the Training department and assist with onboarding and technical training (operational processes and systems) for newly hired consumer underwriters and processors.

Time: 10% Assist SAC, Collections and Loss Prevention with delinquencies, repossessions and other collection activity. Time: 5% EDUCATION (Minimum education required to perform the duties of this position) Bachelor's degree in business-related field or two years of related work experience required. EXPERIENCE (Minimum experience required to perform the duties of this position) In addition to the education requirement: Management experience required.

Five or more years consumer or mortgage lending experience required. Three years of experience in underwriting/portfolio quality responsibilities required including sound knowledge and application of State and Federal regulations and compliance. KNOWLEDGE, SKILLS, AND ABILITIES (Minimum technical and communication skill levels and licenses/certificates normally required to perform the duties of this position) Thorough business knowledge of the consumer lending industry.

Excellent communication and leadership skills. Familiarity with computer applications common to lending operations, underwriting and servicing. Ability to lead, train and coach staff. Required Competencies Innovation Management Drive for Results Building Effective Teams Demonstrates Courage Customer Focus Integrity and Trust Self-Development Business Acumen Developing Direct Reports and Others Managing Through Systems Organizational Agility Problem Solving Mental Requirements Ability to analyze and evaluate information.

Ability to use good judgment and make sound decisions quickly. Ability to work and reason under pressure. Ability to concentrate in a multi-task environment. Ability to maintain a positive attitude and professional image. Ability to interpret lending guidelines and regulations. Tools and Equipment Used All available general office equipment as needed.

All available computer software and hardware as needed. WORKING RELATIONSHIPS/CONTACTS (Positions with which incumbents have frequent contact) Daily, personal/written/phone contact with Credit Union Management Groups. Daily, personal/written/phone contact with Credit Union Senior Management. Daily, personal/written/phone contact with vendors i.

e. Credit Bureaus, Daily, personal/written/phone contact with Consumer Lending Team; providing coaching, training, supervision etc. Daily, personal/written/phone contact with other Credit Union Lending Staff to collaborate on operational efficiencies. Limited member personal/written/phone contact for resolution or guidance purposes.

Limited personal/written/phone contact with strategic partners as needed. PHYSICAL DEMANDS (Physical effort generally associated with this position) Work involves standing and walking for brief periods of time, but most work is done from a seated position. There is potential for eyestrain from reading detailed printouts and computer screen.

Deadlines, workloads and pressure to achieve goals may cause increased stress levels. WORKING CONDITIONS (Typical working conditions associated with this type of work and environmental hazards, if any, that may be encountered in performing the duties of this position) Internal

• Work is normally performed in climate controlled office environment, where exposure to conditions of extreme heat/cold, poor ventilation, fumes and gases is very limited. Noise level is moderate and includes sounds of normal office equipment (computers, telephones, etc). No known environmental hazards are encountered in normal performance of duties. Length of day is unpredictable; long hours may be required to accommodate deadlines or special meetings. External
• Some travel to branches may be required; however, information on environmental conditions is not available. EOE/Vets/Disability