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Senior Vice President, Chief Lending Officer 


Tropical FCU (TFCU) is a Sun-Sentinel Top Workplace five years in a row. Being part of TFCU will provide you with opportunities to engage by learning, growing, contributing, collaborating, and developing professionally. Join us for a great employee experience focused on engaging employees and members alike.

Scope: Approximately six direct reports and approximately fifty indirect reports. Responsible for a loan portfolio of over $700 million, including consumer, mortgage, business lending, and collections. Ensure maximum profitability of lending activities that are also in the member's best interest.

Summary: This is an executive-level position that will help shape the credit union's strategy and drive its execution. It plays a leading role in governance activities by representing the lending function at board planning sessions and monthly meetings. It sets goals for and oversees the policies and procedures in the lending departments. It manages vendor and regulatory relationships related to lending. The position reports to the CEO/President and is a member of the Senior Management Team, Asset Liability Committee and Business Loan Committee.

Essential Duties and Responsibilities include the following:

  • Participate in the credit union's long- and short-term board strategic planning.
  • Develops and supports the Credit Union's loan growth strategy. Monitor progress regularly consistent with the budget and the credit union's strategic plan.
  • Set the Loan Department's strategic plans to align with the credit union's business plan. Establish and ensure the implementation of target goals for each team within the lending department.
  • Oversees the lending function through department leaders.
  • Communicate appropriately with the lending management teams and employees to ensure a positive and clear understanding of credit union goals and direction to understand rules, regulations, requirements, and expectations.
  • Demonstrates effective leadership skills, creating a positive work environment where employees thrive, and the organization achieves desired results.
  • Creates and directs preparation of departmental strategic planning parameters and monitoring planning and budget and budget-related activities.
  • Monitors adherence to sound credit practices and administration policies and procedures. Implements, directs and monitors lending policies and procedures following credit union goals and strategies.
  • Oversees the development of performance standards and production goals for key staff.
  • Collaborates closely with other departments to maintain consistency in credit union policies and procedures, effective workflows, and positive inter-departmental relations.
  • Work closely with auditors and examiners to ensure the credit union complies with prudent lending methodologies as articulated in various laws and regulations and appropriately, addresses identified weaknesses.
  • Develop loan-underwriting criteria consistent with the credit union's risk tolerance.
  • Continuously monitor compliance with underwriting criteria and analyze the effectiveness of established standards to mitigate losses and support the credit union's lending objectives.
  • Monitor and analyze delinquent loans and formulate recommendations for the loan modification or charge-off consistent with prudent lending and collections practices and applicable laws and regulations.
  • Develop and implement initiatives to garner efficiencies throughout the lending and collection process.
  • Designs the development and training plans for each direct report, to include coaching, motivation, and support; working through department leaders and supervisors, ensures the same is created for indirect reports.
  • Resolves member complaints with member and appropriate department.
  • Analyzes loan data reports for any corrective action.
  • Research and evaluate the feasibility of new lending products. Develop and implement plans for the expansion of lending programs. Keep abreast of changes in the industry and changing trends in lending and react to changes to maintain competitiveness.
  • Work with lending managers and members on complex issues to prevent loss to the credit union and support the membership.
  • Reports and coordinates with the CEO/President regarding loan portfolio matters, including recommendations to the Board of Directors.
  • Serves on Board Committees as requested, including the Member Services Committee, the Asset/Liability Committee, and more.
  • Serves as a member of Senior Management Team, demonstrating an appropriate level of professionalism and leadership skills.
  • Represent and promote the credit union at external functions.

BSA/AML and Fair Lending Compliance:

  • Every employee must uphold the credit union's compliance with the Bank Secrecy Act, Anti-Money Laundering and Fair Lending policies and procedures. Specific responsibilities within TFCU will consider the awareness of unusual or suspicious activity relevant to the department.
  • In addition to any other assigned training courses, online BSA and OFAC courses are required for annual completion, as made available by the Training and Compliance Departments.
  • Must demonstrate functional knowledge of the Federal laws, including but not limited to: US Patriot Act, Office of Foreign Assets and Control, Anti-Money Laundering, Right to Financial Privacy Act, the Bank Bribery Act, Customer Identification Program, Fair Lending, and Credit Card Act.
  • Comply with all TFCU policies and procedures to ensure compliance with such regulations.
  • Performs other duties as required with or without accommodation. The job description is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

We offer Excellent Benefits such as:

    • Medical, Rx, Dental, and Vision Insurance
    • Retirement Profit Sharing 401K Plan
    • Accident, Cancer and Hospital Indemnity Plan
    • Prepaid Legal
    • Voluntary Life Insurance
    • Pet Discount Program
    • Paid Time Off/ 11 Paid Holidays
    • Tuition Reimbursement/Student Loan Paydown Program
    • And so much more!
Position Requirements

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

  • Minimum of fifteen years, or related experience, in an executive level lending position is required.
  • College Degree (BS or BA in a relevant field) is preferred.
  • Experience in the South Florida market preferred.
  • Must have extensive knowledge of mortgage, consumer, business lending practices and procedures.
  • Must be adept at understanding the marketing and sales process, automated decision-making engines and credit scoring models.
  • Must have excellent interpersonal, motivational, analytical, and oral and written communication skills.
  • Capable of compiling, analyzing, preparing and presenting reports with financial/statistical data.
  • Must be proficient in the use of standard business applications in a Windows-based environment (i.e., MS Word, Excel, PowerPoint, and Outlook).
  • Thorough knowledge of lending compliance and legal issues.
  • Mortgage Loan registration with NMLS is required.

Professional Standards:

  1. Effectively build participative and collaborative work environments.
  2. Proficiency in interpreting regulations, instructions, procedures and policies.
  3. Excellent understanding of operational and regulatory risks and controls.
  4. Experience in training individuals and/or groups.
  5. Maintain professional relationship with all employees, and members.
  6. Consistently strive for team development and contributing to ensuring a positive culture.
  7. Maintain excellent attendance record, including punctuality and preparation.
  8. Ability to work under pressure, including prioritizing.
  9. Knowledge of loan underwriting, philosophy, products, and services.
  10. Follow through on all assigned projects with timely update to supervisor.
  11. Maintain appropriate language with correct grammar, intonation, and volume level as well as body language.
  12. Maintain effective listening skills and contribute to active coaching to direct reports and team employees.
  13. Consistently improve personal knowledge, professional image, appearance, and development through participation in professional associations, League, Chapter, vendor activity, and in-house and external training sessions.
  14. Displays problem-solving skills by applying broad knowledge and seasoned experience when addressing complex issues; defines strategic issues clearly despite ambiguity; considers all critical information when making decisions; makes timely, tough decisions.


  1. Cultivates an active network of relationships inside and outside the organization; relates well to key colleagues (i.e.: bosses, peers, direct reports), stays in touch with employees at all levels.
  2. Maintain and promote confidentiality of members and employee related business in strictest confidence.
  3. Excellent written and verbal communication skills.
  4. Initiate and promote enhancement of knowledge of self and others by proactively sharing information with all team members and employees.
  5. Interact with team members and employees to develop ideas, methods, procedures and/or goals to minimize expense losses, generate income and/or streamline member services.
  6. Initiate and promote a constructive and positive attitude among all team participants.
  7. Keep Supervisor informed of needs and/or concerns in a timely manner.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand, walk, sit and use hands to handle or touch. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Full-Time/Part-Time Full-Time  
Exempt/Non-Exempt Exempt  
Location Miramar - Headquarters  
About the Organization Tropical is a not-for-profit, member-owned and member operated financial cooperative, serving South Florida since 1935. We operate a fun, and family-oriented work environment where every employee has the opportunity to learn and grow in their career and move up within the organization. It's an organization that values your contributions and rewards you for your performance. TFCU has proven to be an organization that is dedicated not only to TFCU's success, but the success of its employees and the financial success of our members.  
EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.  

This position is currently accepting applications.

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