VP Consumer Operations

1 month ago

Palo Alto, United States Stanford Federal Credit Union Full time
Job DescriptionJob Description

VP Consumer Operations Opportunity at Stanford Federal Credit Union

We’re on a mission to improve financial lives If you’re a high-energy, compassionate, and collaborative individual yearning to make a difference, we are looking for individuals like you to join our team Members really do come first at Stanford FCU because we are not-for-profit and owned by our members. Many of our members work for Stanford University or some of the most innovative companies in Silicon Valley—and we provide them with the most generous financial benefits in our industry.

Stanford FCU is a $4 billion company with a global reach—88,000 members in 90 countries and growing Contact us to see what it’s like to work for one of the Bay Area’s Top Workplaces. As our CEO says, “we work hard, and we play hard”, and we need your help to improve even more financial lives

* Please note this is not a remote position - it is hybrid onsite*

Who YOU are:

  • The Vice President of Consumer Operations (VPCO) ensures lending policies and procedures best serve the credit union and its members by managing the day-to-day operations of the Consumer Lending and Collections Departments.
  • While ensuring compliance with state, federal and regulatory laws, the VPCO oversees the member experience throughout the application, underwriting, loan origination, collection, loss mitigation and charge-off efforts.
  • This role monitors and analyzes economic conditions affecting the consumer loan products and recommends appropriate changes and / or actions based on identified trends or impacts. This candidate must demonstrate proven experience in Fintech-Digital adoption in all aspects of the lending and collection channel impression.
  • The VPCO will partner with Lending Systems on the optimization of lending application, processing, and underwriting workflows to achieve maximized efficiency and streamlined processes.

What YOU’LL do:

  • Responsible for planning and execution of annual and long term strategic / tactical operating plans for consumer lending products/services/originations and collections processes.
  • Oversee the entire consumer loan origination life cycle including and not limited to pricing, underwriting, documentation, and funding within all credit tiers, which meet established lending requirements and provide maximum profitability to the company within acceptable risk tolerance.
  • Ensure departmental accordance with defined lending authorities to approve, decline, or counteroffer loan applications. Maintains compliance with company standards and practices to lend within state and federal regulations. Ensures a competent and motivated staff through hiring, training, managing, and performance management of direct and indirect employees.
  • Oversee and coordinate the collection team on charge-off and loss mitigation functions to maintain a financially sound loan portfolio through delinquency control of all residential mortgage loans, private student loans, secured and unsecured loans / lines of credit.
  • Directs foreclosure activities when required, renders assistance to legal counsel and secondary market investors in foreclosure or loss mitigation actions. Is responsible for liquidation, maintenance, and sale of REO’s.
  • Ensure that staff in each area of oversight obtain the appropriate internal and external training to support the objectives of the credit union.

Some of our benefits for YOU:

  • 100% paid employee medical, dental, vision, life/AD&D and short-term disability insurance for the employee; 50% paid for dependents.
  • Annual Incentives up to 20% of your salary based on position.
  • Employer 401(k) matching up to 5% plus additional annual discretionary contributions
  • Education reimbursement up to $5,200/year
  • Up to $500 per year in health/fitness benefits
  • Employee recognition program with cash incentives
  • Commute benefits up to $900 per year.
  • Paid Sick Time accrues at two weeks per year.
  • Paid Vacation Time accrues at three weeks per year.
  • Paid Federal banking holidays (approximately 10 per year)
  • Ongoing training and education, seminars, and conferences
  • Loan rate discounts on some products (vehicle, mortgage and HELOC loans)
  • Waived fees and deposit bonuses on Stanford FCU accounts
  • Flex health/transit plan availability
  • Employee Assistance Program with free benefits like counseling, help finding legal assistance and day care resources.

Stanford Federal Credit Union provides pay ranges representing its good faith estimate of what the Credit Union reasonably expects to pay for a position. The pay offered to a selected candidate will be determined based on factors such as (but not limited to) the scope and responsibilities of the position, the qualifications of the selected candidate, departmental budget availability, internal equity, geographic location, and external market pay for comparable jobs.

If you are ready for this awesome opportunity (or know somebody who is) please contact us today

Please Note: SFCU does not provide work visa sponsorship or accept visa transfers for any positions. Applicants that require work visa sponsorship or transfer will not be considered for employment. SFCU does not provide any relocation benefits for any positions.

Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act and the Office of Foreign Assets Control.

Stanford Federal Credit Union is committed to equal employment opportunities, and a workplace that embraces diversity and inclusion for qualified individuals of all backgrounds.

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