Company Description
Since 1936 PenAir® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it. These guiding principles are Respect, Service, and Communerosity® and they’re woven throughout our culture.
PenAir is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $2.8 billion in assets, our purpose is to enhance the lives of those we serve in the Florida Panhandle, Southern Alabama, and Virginia.
Careers
Do you have a passion for helping others?
Currently, PenAir provides access to 15 convenient locations across Mobile and Baldwin counties in Alabama and Escambia, Santa Rosa, Okaloosa and Bay counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too.
Join the team. You’ll fit right in.
Take control of your future by mapping out a career at PenAir. Working with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air! Success looks different for everyone. Where will your journey take you?
The PenAir difference.
Just like we strive to be a force for good at work, PenAir works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits.
Holistic Amenities:
- Up to $15K available for continuing education
- Student Loan Paydown
- Adoption Assistance Reimbursement
- Wellness Programs
- Gym membership reimbursement
- Formal Career Development Resources
- Financial Wellness Resources
- Purchase assistance with computers and fitness equipment.
Benefits Package Highlights:
- Generous PTO Plan—20 days for new hires
- Paid Maternal & Parental Leave
- Competitive Retirement Plan
- Competitive medical, dental & vision plans
- Company paid Telehealth services.
- Company paid Short Term Disability
And more……….!
About the role:
Leads the strategic direction, growth, profitability, risk management, and operational performance of all consumer lending functions, including direct, indirect, unsecured, credit card, and other consumer loan products. Responsible for portfolio performance, loan production, credit quality, processes, regulatory compliance, and achievement of organizational lending objectives. Partners with executive leadership to develop lending strategies that support sustainable growth, asset quality, earnings, and balance sheet objectives while ensuring safety and soundness.
Major Duties and Responsibilities:
- Develops and executes multi-year consumer lending strategies aligned with the Credit Union's strategic plan. Identifies emerging market opportunities, member needs, and competitive trends. Leads development of annual lending production, yield, penetration, and profitability targets. Assesses market conditions and adjusts lending programs to maintain competitiveness while achieving risk-adjusted return objectives. Establishes metrics for funded loan conversion, application pull-through rates, and member satisfaction.
- Directs ongoing monitoring of consumer loan portfolio performance including delinquency, charge-offs, recoveries, concentrations, risk-adjusted returns, and underwriting quality. Analyzes portfolio trends and recommends changes to underwriting standards, pricing, loan structures, dealer relationships, and credit risk strategies. Partners with Risk Management, Finance, and ALM teams to balance loan growth, yield, liquidity, and credit quality objectives. Presents portfolio performance, lending trends, and strategic recommendations to executive management, ALCO, and Board committees.
- Drives automation and process improvements to enhance efficiency, member experience, and scalability. Evaluates and implements fintech partnerships, credit decisioning tools, third party solutions, and other technologies supporting consumer lending growth and efficiency. Monitors and oversees key vendor relationships impacting consumer lending.
- Provides leadership and development for consumer lending managers and teams. Builds succession plans for critical lending functions. Establishes performance expectations and accountability measures. Promotes a culture focused on growth, member experience, continuous improvement, compliance, and risk management.
- Ensures the Credit Union is in compliance with all consumer lending regulations; maintains current and appropriate policies and procedures that ensure compliance with regulatory, legal and all program requirements. Works closely with Compliance and Risk Management to identify and mitigate consumer lending risks.
- Performs other job-related duties as assigned.
Minimum Qualifications:
Experience
10 to 15 years of progressively responsible experience in consumer lending, including leadership experience overseeing consumer lending operations, strategy, and portfolio performance.
Education/Certifications/Licenses
Bachelor’s degree in Business Administration, Finance, Banking, or a related field required. Advanced degree preferred.
Interpersonal Skills
The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust. Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position.
Other Skills:
- Must have in-depth understanding of and ability to interpret regulations affecting lending programs.
- Extensive knowledge of consumer, commercial and real estate lending practices and procedures.
- Demonstrated proficiency in Microsoft Office applications and other business systems necessary to analyze data, monitor portfolio performance, and support strategic decision-making.
This Job Description is not a complete statement of all duties and responsibilities comprising the position.
Skills Required
- 10 to 15 years of progressively responsible experience in consumer lending
- Leadership experience overseeing consumer lending operations, strategy, and portfolio performance
- Bachelor's degree in Business Administration, Finance, Banking, or a related field
- Advanced degree
- In-depth understanding of regulations affecting lending programs
- Extensive knowledge of consumer, commercial, and real estate lending practices and procedures
- Proficiency in Microsoft Office applications and business systems used to analyze data and monitor portfolio performance
- Ability to influence senior-level professionals and communicate effectively in complex dialogues
What We Do
PenAir Credit Union is a member-owned financial cooperative serving Northwest Florida, Southeast Alabama, and members in southwest Virginia. It offers personal and business banking, including checking and savings, credit cards, personal and vehicle loans, home lending, digital banking, commercial lending, and treasury management. It also provides wealth management and financial counseling, while emphasizing personalized service, member-focused solutions, and community impact.
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