Job Description

How will your role impact First Command?

The SVP of Consumer Loans will be given a broad range of responsibility and authority to lead, plan, and execute the growth and profitability of the consumer lending, debit/credit card, and mortgage portfolio while delivering an exceptional client and advisor experience. Areas of responsibility include the credit quality of the loan and credit card portfolio through consistent and prudent underwriting. The role requires continuous improvement of the end-to-end loan operations process to include application, underwriting, funding, maintenance, annual reviews, and collateral management. Incumbent will oversee the selection and implementation of a new loan decisioning platform with enterprise integration, automated decisioning tools, and streamlined workflow. The role is responsible for leading the way to meeting all regulatory and compliance requirements with effective controls that impact the Bank's financial reporting and operational soundness. This position is a member of the Enterprise Senior Leadership team and will participate and present in the bank's Asset Liability Committee (ALCO), Technology and Operations Committee, Allowance for Loan and Lease Losses Committee, and Board of Director meetings.

What will you be doing?

• Inspire and motivate the consumer lending team to perform at the highest engagement levels delivering an exceptional client experience in support of the bank's vision and strategy
• Collaborate and engage closely with field advisors in support of the financial plan to reduce debt burden with high interest rate credit cards, and to provide lending solutions for major purchases to include auto and home
• Analyze, propose, and implement new strategies and tactics to maximize the consumer loan, credit card, and mortgage portfolio with innovative product development solution, adoption of existing and new programs, and interest income margin and fee optimization
• Prepares the annual operating budget and forecast for the Consumer Lending, Credit Card, and Mortgage consisting of forecasting loan funding and loan outstanding growth in support of the Bank's strategic plan.
• Works closely with department managers to ensure the department experiences peak performance enhancing the overall performance of the Bank.
• Champion the Bank's culture of compliance and controls, ensuring staff understands and embraces this culture
• Works closely with Bank compliance and Quality Control team to maintain compliance with all Federal and State regulatory requirements and ensure processes/controls are effective and compliant
• Meet or exceed loan and fee growth, credit quality, and audit/exam targets
• Collaborate with marketing campaign manager and user experience team to improve the client and field advisor experience to include enrichment of products and services for all consumer lending programs
• Successfully pass audits and exams to include external reviews, Internal Audit reviews, and OCC exams.

Who will you be leading?

• AVP, Consumer Loan Underwriting
• AVP, Consumer Loan Operations and Mortgage
• Associate Manager, Card Services

What skills/qualifications do you need?

Education

• Bachelor's Degree

Work Experience

• 10-15 years consumer loan experience
• 8-10 years leadership experience
• 3-5 years mortgage experience
• 3-5 years credit card experience
• Military experience preferred
• Automated underwriting experience preferred

Knowledge, Skills and Abilities (all are required)

• Strong communication and interpersonal skills to deal with internal and external issues
• Demonstrate professional client relations
• Strategic thought leadership and strong financial and analytical skills
• Experienced at developing and launching innovative products and services
• Must be familiar with and able to operate Microsoft Excel and Word and must be able to learn other software specific to First Command Bank and the loan department
• Must possess discernment in being able to apply bank policy in all situations while at the same time knowing when an exception might be appropriate
• Thorough knowledge of federal regulations as they relate to loans
• Must possess the ability to think and use good judgement, function well under pressure, and maintain confidential information and records
• Ability to receive and understand oral questions and written instructions and apply them to assigned job responsibilities
• Must be detailed oriented and possess strong communication skills and organizational skills
• The flexibility to learn and keep current with changing procedures and regulations, varying job assignments, technology advances and new equipment
• The ability to work as a positive team member in a fast-paced, high-volume environment and to manage multiple assignments
• Must be able to maintain confidential information and records
• Must have good client service skills, including handling challenging situations with clients and Advisors in a professional manner, while being alert for potentially fraudulent activity
• Work well in a team atmosphere
• Ability to work at a quick and accurate pace to meet required deadlines
• Knowledge of banking regulations is required
• Ability to analyze, interpret findings and results, and to draw logical conclusions in carrying out day-to-day assignments
• Strong supervisory and coaching skills
• Requires extensive quantitative and qualitative (behavior) analysis of a very diverse range of applicants and borrowing requests and apply First Command Bank's credit policy guidelines.

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