Vice President Consumer Lending

Job Summary The Vice President Consumer Lending provides executive leadership for Mountain America's Direct Consumer Lending organization, translating enterprise priorities into accountable business performance, portfolio outcomes, profitability, operational execution, regulatory readiness, and sustainable growth. This role oversees direct and indirect reporting relationships, develops future-ready talent, and partners across the credit union to strengthen alignment, execution discipline, and member-focused results.

Job Description 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 Close vision (clear vision at 20 inches or less) Distance vision (clear vision at 20 feet or more) Weight Lifted or Force Exerted Ability to lift to 10 pounds occasionally Environmental There are no unusual environmental factors (such as a typical office) Noise Environment Moderate noise (business office with computers and printers, light traffic) Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.

Follow @MountainAmericaLife on Facebook and Instagram to see why our team members love working at Mountain America! Mountain America Credit Union is one of the foremost financial institutions in the country, with more than 95 branches located in 5 states (Utah, Idaho, Nevada, Montana, and Arizona). We believe that a healthy balance between work, home life, and play is essential to our team members and our success.

We offer a friendly, comfortable and inclusive work environment, fun employee activities and exciting charity events to ensure that no day is dull at Mountain America. Our purpose is to help members enjoy a good life by providing them a positive incentive to save and manage their finances. We also give members easy access to their accounts and allow them to control their funds in a variety of ways, including ATMs, online home banking, mobile banking, direct deposit, automatic payment options and access through a large branch network.

When making decisions, we always put members' needs first. It's just the way we do business and a part of the "people helping people" philosophy of credit unions.