Department: Loan & Mortgage Services
Reports To: CEO
Classification: Exempt
Supervises: Direct: 3 Indirect: 21
FLSA Basis: Executive

BrightStar CU :is committed to creating a diverse work environment where everyone has an opportunity to succeed. We're dedicated to empowering the careers of our people. Our work environment is service-oriented, fast-paced and fun.

We are currently seeking a Vice President of Lending to join our senior management team!
The primary purpose of the position is to provide overall direction and guidance to the loan services activities of the organization with the objective of maximizing growth and profitability. The Vice President of Lending will maintain the needs of current and prospective customers seeking loans that may involve the lending of both secured and unsecured funds.

Major Duties and Responsibilities:
• Obtain and direct the analysis of all necessary financial data.

• Interview applicants to assimilate financial information concerning their business.

• Analyze applicant’s capacity to repay and determine whether a loan may be an acceptable risk within loan policy guidelines.

• Conduct credit checks, conduct or initiate EPA assessments, and make site visits as necessary.

• Make decisions on loans and terms within established lending limits, or make recommendations to senior management and/or loan committee if outside of lending authority.

• Monitor existing loans to ensure compliance with terms and recognition of any developing trends and directs the drafting of all necessary loan documents and agreements.

• Call on potential or existing customers to determine need for other bank services such as: lending products, retail banking products, financial services or insurance and mortgage needs.

• Maintain the confidentiality of all customer and bank relationships.

• Promote and support the community development efforts of the credit union.  Nurture and develop existing and new credit union relationships.

• Initiate and service a variety of loans (commercial, consumer & residential).

• Responsible for loan underwriting, analysis and presentation.

• Responsible for a portfolio of large businesses and/or complex loans/accounts.

• Perform loan Annual Reviews and quarterly residential/consumer quality and compliance control reviews.

Skills/ Requirements:
• Bachelors degree (Business Administration or Finance preferred)
• Must have 5-7 years of Securities Lending experience .
• Minimum of 5 years in management role (preferably within a credit union or other financial institution).
• Motivated, high energy individual, who works well under pressure.
• Good communication and excellent interpersonal skills required.
• Strong PC skills (Excel, Word, Access, Power Point, Internet).
• Business partner and relationship building skills
• Strong assimilation and analysis skills

This Job Description is not a complete statement of all duties and responsibilities comprising this position.