SCHEDULE

Full-Time

LOCATION

Mountain America Center

9800 S Monroe St

Sandy, Utah

To be effective, an individual must be able to perform each job duty successfully. 

• Shape the future-state Direct Consumer Lending strategy by aligning products, channels, technology, risk, and member experience priorities to support sustainable enterprise growth. 

• Develop and execute annual and long-term strategies that support member growth, loan growth, profitability, and portfolio performance. 

• Create and maintain an organizational culture focused on exceptional member experiences, accountability, ownership, innovation, and continuous improvement. 

• Ensure responsible management of portfolio performance, credit quality, profitability, and emerging credit risk indicators through proactive monitoring and predictive insights. 

• Advance the responsible use of data, predictive analytics, automation, and AI-enabled decisioning to improve speed, consistency, risk management, personalization, and member outcomes. 

• Lead the evolution of digital and omnichannel lending experiences to simplify the member journey, improve approval and funding speed, and increase adoption of self-service and assisted-service capabilities. 

• Oversee operational performance and ensure service standards are consistently achieved. 

• Partners across Lending, Member Service, Technology, Marketing, Asset Management, Loan Servicing, Finance, Enterprise Risk, Fraud, Compliance, and other functions to align priorities, improve execution, and achieve organizational objectives. 

• Provide executive oversight for compliance and risk management across Direct Consumer Lending, including adherence to applicable CFPB and NCUA requirements, credit union policies, internal audit findings, and remediation activities. 

• Maintain and exercise formal lending authority consistent with established credit union policy, risk appetite, approval limits, and governance expectations for consumer lending decisions. 

• Support regulatory governance through appropriate controls, reporting, issue resolution, and board-or regulatory-ready documentation in partnership with Enterprise Risk, Compliance, Legal, Internal Audit, and executive leadership. 

• Allocate resources, establish execution discipline, and monitor progress against strategic and operational priorities. 

• Enhance organizational efficiency by eliminating complexity and creating scalable operating models. 

• Evaluate market conditions, industry trends, competitive offerings, and emerging technologies to identify growth opportunities. 

• Develop and maintain strategic vendor partnerships, ensuring products, technologies, and services align with business objectives, support member experience goals, and deliver long-term value to the credit union. 

• Build future-ready lending talent by developing leadership capability, digital fluency, analytical judgment, change readiness, and succession depth across the Consumer Lending organization. 

• Perform other duties as assigned. 

KNOWLEDGE, SKILLS, and ABILITIES 

The requirements listed are representative of the knowledge, skills, and/or abilities required.  Reasonable accommodation may be made to enable individuals with disabilities to perform the essential job functions. 

Experience  

• 10 years of progressive consumer lending leadership experience, including strategy, portfolio performance, risk management, and team leadership. 

• Executive leadership experience in a banking, credit union, or financial services environment with accountability for business performance, member/customer experience, and regulatory expectations. 

Education  

• Bachelor’s degree in Business, Finance, Economics, Management, or related field; or an equivalent combination of education and significant executive-level consumer lending, financial services, or business leadership experience. 

Licenses, Certifications, Registrations 

• N/A; relevant lending, risk, compliance, or financial services certifications preferred but not required. 

Computer/Technology Skills  

• Demonstrated ability to leverage lending systems, digital platforms, data analytics, automation, and AI-enabled capabilities to improve member experience, operational efficiency, portfolio performance, and risk management. 

• Working knowledge of loan origination systems, digital lending tools, reporting platforms, workflow automation, collaboration tools, and vendor technology solutions. 

• Ability to interpret and act on dashboards, portfolio reporting, operational metrics, financial performance data, and emerging risk indicators to inform executive decision-making. 

Language Skills  

• Demonstrated ability to clearly communicate ideas, methodology, results, recommendations, and outcomes verbally, in writing, through reports and visual presentations, and in a manner appropriate for key stakeholders and all levels of the organization. 

Other Skills and Abilities  

• Demonstrated ability to lead consumer lending, financial services, or related business functions with accountability for strategy, business performance, portfolio outcomes, operational execution, and sustainable growth. 

• Strong knowledge of consumer lending products, operations, credit strategy, portfolio management, profitability, risk considerations, and member/customer experience. 

• Proven ability to lead strategic initiatives, business transformation, change management, and cross-functional execution in a complex organization. 

• Demonstrated leadership capability, including developing talent, building organizational capability, creating accountability, and supporting succession readiness. 

• Working knowledge of digital lending, automation, data analytics, AI-enabled capabilities, and technology-enabled business improvement. 

• Strong business acumen, executive communication, decision-making, and organizational development skills. 

PHYSICAL ABILITIES / WORKING CONDITIONS  

Physical Demands 

Ability to sit, talk and hear consistently 

Ability to stand, walk, and use hands to handle or reach occasionally 

Vision Requirements