AVP Lending

Description

At Houston Police Credit Union, we believe our people are at the heart of everything we do. We’re proud to serve our members and our community, and we’re looking for talented individuals who share our commitment to Integrity, Service, and Teamwork.

At HPCU, you’ll have the opportunity to build meaningful relationships, contribute to a collaborative team, and grow both personally and professionally. We value individuals who take pride in their work, support those around them, and are committed to making a positive difference for our members.

We are currently recruiting for this opportunity, with an anticipated start date of January 4, 2027.

Role

Under the strategic direction of the Chief Lending Officer, oversees the Credit Union’s Mortgage Lending, Consumer Lending, and Collections departments. Ensures that lending and collection activities meet members’ needs, comply with applicable laws, regulations, and organizational policies, and are administered in a manner that effectively manages credit, operational, and compliance risk. Develops, recommends, and oversees the implementation of lending policies, products, processes, and strategies that support the Credit Union’s financial and strategic objectives.

Major Duties and Responsibilities

Weight

25%

Directs the activities and staff responsible for the administration of the Credit Union’s Mortgage Lending, Consumer Lending, and Collections departments. Provides leadership to direct reports to maximize productivity, operational efficiency, and employee development. Responsibilities include hiring, assigning and prioritizing work, monitoring performance, coaching, training, and ensuring compliance with applicable regulatory requirements and the Credit Union’s mission, values, policies, and procedures.

25%

Develops and implements innovative and efficient processes designed to improve end-to-end cycle times, service delivery, operational quality, and the member experience across all areas of responsibility. Supports, recommends, and leads strategic initiatives involving Mortgage Lending, Consumer Lending, and Collections.

15%

Maintains a comprehensive understanding of applicable laws, rules, regulations, and industry standards governing Mortgage Lending, Consumer Lending, Underwriting, Servicing, and Collections. Effectively leverages available systems, reporting, and personnel resources to monitor workflow and queue performance, identify patterns and trends, and address operational or compliance concerns.

15%

Collaborates with Senior Management and leaders across the Credit Union, including Branch Operations, Marketing, Risk Management, Information Technology, Accounting, and other applicable departments. Coordinates and facilitates interdepartmental projects, meetings, and initiatives that support organizational objectives and improve operational effectiveness.

10%

Conducts periodic analysis of the Credit Union’s Mortgage Lending and Consumer Loan portfolios for review by the Chief Lending Officer, Chief Executive Officer, and other appropriate stakeholders. Partners with the Data and Analytics Team to develop and enhance reporting that provides a comprehensive view of portfolio performance, credit risk, delinquency, and emerging trends.

5%

Co-manages lending-related third-party vendor relationships, including loan origination, mortgage and home-equity servicers and partners, ancillary product providers such as GAP and warranty vendors, credit and debit card partners, and credit life and disability insurance providers. Monitors vendor performance, service levels, compliance, and alignment with the Credit Union’s operational expectations.

5%

Partners with the Chief Lending Officer in developing, implementing, and monitoring the annual budgets for the Mortgage Lending, Consumer Lending, and Collections departments. Assists in evaluating departmental expenses, staffing needs, vendor costs, and other financial considerations.

Other duties, as assigned.

Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Follows established company policies and procedures, including but not limited to: Sarbanes Oxley controls, Business Ethics and Standard of Conduct, Electronic Communications, Confidentiality and Privacy.

Requirements

Knowledge and Skills

Experience

5 to 10 years of progressively responsible experience in credit union or banking lending, including management experience leading teams and developing managers. Demonstrated knowledge of Consumer Lending, Mortgage Lending, Underwriting, Credit Administration, and Collections, including delinquency management and loss mitigation. Experience exercising lending authority, monitoring portfolio quality, improving operational efficiency, and managing departmental performance is required. Experience with the Origence Loan Origination System is preferred.

Education/Certifications/Licenses

Relevant Bachelor’s degree or equivalent combination of education and experience

Interpersonal Skills

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.

Other Skills

Effectively monitors the performance of managers and other direct reports across assigned departments. Regularly documents coaching, performance feedback, and progress toward established expectations. Demonstrates the ability to lead cross-functional projects and serves as project manager for the implementation of new lending products, services, system enhancements, and process improvements.

ADA Requirements

Physical Requirements

Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.