Senior Vice President of Operations and Lending na CREDIT UNION OF ATLANTA

Description

JOB SUMMARY:

In the broadest sense, the Senior Vice President of Operations and Lending’s primary responsibility is to ensure that Credit Union of Atlanta’s operational and systems infrastructure and delivery channels support the outstanding execution of its current programs and services; while making sure the organization remains a leader in the financial services arena.  Qualified candidates for this role must possess exceptional leadership and influencing abilities, a comprehensive understanding of how best to position and lead an organization to its next level, strong lending, collections, financial and operational expertise, and a demonstrated ability to define and implement project management processes and systems that sustain continued growth in today’s evolving marketplace.

EXECUTIVE TEAM PROFILE: 

Strategically oriented, passionate credit union advocate focused on Financial Wellness for the organization and associated communities. Exceptional abilities in assessing/implementing opportunities and originating methods for ensuring durability of strategies. Strong analytical and solution-oriented skillset. A successful executive team will be able to work in a cooperative, collaborative environment. The team acts ethically, humbly, effectively, and with the best of intentions to achieve Strategic Ends.

ESSENTIAL STRATEGIC FUNCTIONS: 

1. Partners with Joint Leadership (Exec Team and Board) to strategize, develop and implement credit union initiatives in a manner which leverages the Credit Union of Atlanta Vision and Mission, Strategic Plan, and Budget. 

a. Provides information for Board of Directors meetings, Planning Sessions, Annual Meeting, and ad hoc (presents and/or facilitates program content as needed).

2. Actively and accurately advocates and promotes the Credit Union's Strategic Plan as appropriate to the board, staff, members, vendors and the public. 

3. Develops operations resources and personnel to support Strategic Plan initiatives. Contributes creative ideas/resources and data to drive innovation within Executive Workflows. 

4. In conjunction with the executive team, analyzes data to report on branch operations performance and member engagement to effect swift and prudent adjustments to the business processes and initiatives which sustain and grow an effective operation in keeping with the strategic plan. Analyzes corporate financials, monitoring reports and operational trend data to determine opportunities for the credit union while appropriately managing risk.

5. Ensures compliance with applicable regulations, laws and credit union policies and procedures. Partners in outside audits and State Department of Banking and NCUA examinations by providing information, documentation, and recommending credit union personnel to expedite the successful completion of the audits and examinations. Ensure proper training of staff. 

6. Manages/develops and maintains up-to-date policies, procedures, practices and assessment tools in functional area(s). 

7. Champions a strong service and education culture.

Requirements

Essential Functions and Responsibilities

1. Provides leadership coverage as needed for the Retail Branch, Lending, Collections, Marketing and Contact Center

2. Directs the overall lending operations of the credit union through active leadership of the lending and collections teams with Senior Management.

3. Initiates, plans, and coordinates the development of superior products that build loyalty and create sustainable competitive advantage by monitoring industry trends in new/future product demand, analyzing competitor products and strategies, verifying alignment of all products and services and encouraging product innovation with CUA’s strategic plan. 

4. Directs the continuing development of operations to ensure future Credit Union growth and effective service delivery in order to maintain high levels of member satisfaction and strong member relationships.

5. Participates as a member of the Member Business Lending Committee (MBLC) to ensure the proper structuring and approval of larger commercial credits within the portfolio.

6. Provides organizational and strategic leadership to all direct reports in the areas of budgeting/forecasting, long-range planning, visioning, strategy development, human resource planning, process improvement and service quality.

7. Defines and shares vision of success with key stakeholders and employees to create buy-in and support, emphasizing the need to achieve alignment with the multi-channel member access strategy.

8. Identifies potential barriers to success and develops alternatives for overcoming those barriers.

9. Monitors the overall quality of the credit union loan portfolio to ensure optimal asset quality, the adequacy of the loan loss reserve account, and to meet long-term strategic loan loss objectives.

10. In connection with Marketing, develops and implements long range and short term strategic plans for most favorable loan portfolio growth.

11. Responsible for comprehensive, strategic management of retail, mortgage and commercial loan products and related services including, but, not limited to product development, ROI analysis, competitive analysis, internal and external product promotion.

12. Analyzes and determines areas of potential program improvement or cost reduction within areas of responsibility.

13. Analyzes loan products for feature, function, and pricing competitiveness within market served.

14. Provides loan product trend reports with concentration on account growth rates, balance growth rates, and profitability growth rates by product type.

15. Develops and is accountable for the successful achievement of measurable financial and operational success indicators.

16. Manages and reports on allocated operating budgets and departmental profit and loss.

17. Continuously evaluates feasibility of strategy based on developments in competitive environment as well as internal resources, recommending changes or new courses of action as appropriate.

18. Designs methods to ensure collaboration and operational integration across various departments to support strategic change in channels.  Develops processes to plan, manage, execute and communicate specific channel initiatives, including prescribed procedures for working within and across departments.

19. Collaborates with other leaders to determine the desired member experience by channel segment.  Clearly defines “excellent member service”, and develops effective teams who provide high quality service and solutions, consistent with the desired member experience.

20. Develops, executes and manages short-term and long-term sales plans across the two key product group segments (deposit and loan products), adapting sales strategies according to the differences and complexities of each segment.

21. Develops and promotes culture that actively cross-sell products and services within the confines of the credit union sales culture.

22. Creates high-performing teams that drive credit union lending and deposit goals.

23. Prepares and monitors annual budgets for assigned responsibilities.

24. Assists the President in articulating the Credit Union’s mission.

25. Supports the President in representing the Credit Union as needed in regulatory or formal functions and with local, regional and national constituencies.

26. Participates on various boards, committees, and external activities.

27. Participates in the annual performance review process, including writing and delivering reviews.

28. Actively promotes the mission of the Credit Union within the organization and throughout the communities served by the Credit Union.

STANDARD JOB SKILLS: 

1. Activator. Transforms innovative ideas into immediate action. Moves conceptual ideas to concrete practice. Fosters a sense of urgency within the organization. 

2. Adaptability. Inherent and instinctive flexibility to address competing priorities, issues and opportunities. Responsive to schedule demands and deadlines. Strong ability to recover from setbacks or make calm and calculated adjustments to constantly changing plans or shifting outcomes. 

3. Judgment: Continually uses sound judgment, as outlined in: a. Employee Handbook b. Code of Ethics c. Promises d. Executive Limitations 

4. Change Management: A strong leader in change management principles. Fosters curiosity and a sense of urgency. Is flexible, easily adapts to change; and promotes/assists with change in the work environment. 

5. Analytical: Possesses a strong ability to apply principles of logic to define problems and desired outcomes, analyze data, find patterns, organize ideas, establish facts, and draw valid conclusions from multiple credible Page 4 of 5 sources of an objective and subjective nature. Seek opportunities to communicate insightful analysis which hardens strategies and evolves the credit union mission. 

6. Strategic Thinking: An energetic, forward thinking and creative individual who proactively seeks efficient processes and effective methodologies to achieve strategic ends. 

7. Interpersonal Skills: Possesses a strong emotional intelligence to build and sustain effective partnerships through active listening, deft verbal and written communication, effective negotiation and a professional presence. a. Project Management: Strong ability to take ownership of a project’s process and outcomes. Develops sense of ownership with organizational leaders. b. Effectively balances the drive for precision with the need for efficiency. c. Organizes and implements projects on time by prioritizing, multi-tasking and leveraging resources.

8. Public Speaking: Ability to confidently and effectively present and facilitate before an array of audiences. 

9. Technical Skills: Savvy with a vast array of computer programs and office equipment. Advanced proficiency with programs and resources used to distill and leverage data. 

10. Learner/Self-Analysis: Is a catalyst for change, by self-identifying and seeking opportunities to learn relevant knowledge, skills and abilities which benefit the individual and the organization. Translates learning goals and milestones into business practices and strategic targets. 

11. Confidentiality: Demonstrates a high level of confidentiality, sensitivity and tact. 12.Regulatory Knowledge: a. Credit union operations and philosophy. b. Current and emerging laws and regulations pertaining to areas of responsibility required, including Local, State and Federal Laws. c. Credit unions products and services to effectively set attainable goals to achieve strategic ends.

Knowledge, Skills, and Abilities Required

1. Experience-branch operations

2. To identify industry opportunities, develop innovative business strategies and implement them in a timely manner.

3. Extensive financial product/service business knowledge in the areas of mortgage, commercial and consumer loans, collections, investments/savings and legal compliance

4. Strong understanding of and the ability to leverage trends in consumer behavior and consumption, technology and internet advancements, and human resource management. 

5. Must have a track record of successfully managing change, process improvement, and operational performance

6. Must have proven track record leading and managing high performing sales and service delivery teams within the financial services industry 

7. Experience with other alternative delivery channels

8. Ability to drive integration across divisions and results through superior retail delivery and service management. 

9. Strong operational and financial management skills (policy and procedures development, process analysis, management and improvement, budgeting, variance reporting, balance sheet, income statement)

10. Ability to develop, track and monitor metrics across all divisions, refining strategy as appropriate. 

11. Demonstrated experience developing and defining business goals, and aligning the appropriate resources to ensure success. 

12. Strong project management  and multi-tasking skills, including strategic planning

13. Excellent communication skills in English, both verbal and written

14. Strong PC skills, with intermediate knowledge on Microsoft Excel, Word, PowerPoint and Outlook

15. Superior interpersonal skills; ability to get along with diverse personalities; tactful, mature, flexible, compassionate

16. Ability to make recommendations to effectively resolve problems or issues, by using judgment that is consistent with standards, practices, policies, procedures, regulation, or government law

17. Able to hold divisions, departments and individuals accountable for their results

18. Able to make high-level decisions in an ambiguous environment

19. Able to identify and evaluate business threats and opportunities

20. Must be able to work under pressure of time deadlines

21. Ability to read and absorb numerous business-related publications and industry data

22. Must be able to motivate employees and build effective teams

23. Must be resourceful and well organized, with strong attention to detail

24. Ability to research and analyze various types of data and information

25. Must be flexible and able to shift resources and priorities as required

26. Must be able to work in a general office environment

27. Should possess a strong commitment to providing excellent service to CUA’s members

28. Capacity to lead, coach, build consensus, and gain support for Credit Union goals and objectives, while cultivating teams who excel to the next level of performance, both from a revenue and service delivery perspective. 

29. Ability to successfully utilize active listening, consultative sales, coaching, facilitation and mediation techniques. 

30. Demonstrated ability to bring innovation and lead efforts to transform an organization; must be adept and comfortable at playing the role of “change agent.” 

31. Strong presentation skills; ability to effectively present information to executives, management, Board of Directors and various public groups, and interact effectively and respond to questions/inquiries from employees, managers, attorneys and the general public. 

32. Superior Sales and Service Delivery skills. 

33. Ability to develop and successfully implement Credit Union strategies, budgets, goals 

34. Capacity to effectively and professionally interact with Community Leaders, Business Leaders, Media, Vendors and represent the Credit Union at various Community and industry events. 

35. Ability to read, analyze and interpret technical material and procedures such as financial reports, governmental regulations and legal documents

36. Ability to uphold confidentiality standards. 

37. Ability to define problems, collect data, establish facts and draw valid conclusions to successfully compile and draft analysis and reports. 

38. Exemplary time management skills; ability to achieve deadlines while accurately and efficiently managing multiple priorities/tasks simultaneously in a fast-paced environment. 

39. Capacity to deal with abstract (strategic) and concrete (tactical) variables. 

40. Ability to present a professional appearance and demeanor at all times and hold others to this standard.

Physical Requirements

1. Occasional standing, walking, bending, and stooping required

2. Must be able to sit at a desk for long periods of time and use a computer

3. Must be able to moderately lift or move up to 5 pounds and occasionally lift or move up to 15 pounds

4. Occasional travel required

WORKING CONDITIONS: § 

· Continuous operation of office equipment. 

· Length of workday is unpredictable and occasionally we must work irregular and/or extended hours to include evenings and weekends for events including but not limited to: Audits and Exams, Strategic Planning Events, Board Meetings, Industry Events, Training and Community Engagement. 

· Exposed to potentially hazardous condition, i.e., robbery. Follows detailed instructions and procedures to minimize the risk. 

· Periodic travel is required

Education and Background

1. Bachelor’s degree in business, finance, or related field required

2. Minimum of 7 years of continuous operational management experience in a financial institution and 5 years in senior management role. . Credit Union experience a bonus. Multiple years in a Commercial and/or Mortgage lending environment.

3. Strong knowledge of the fundamentals of the financial industry required