Chief Lending Officer

About Gulf Winds

Gulf Winds Credit Union offers innovative financial tools that give our members freedom to live life with their finances under control. Since our founding in 1954, we have grown from a single branch in Pensacola, Florida, to a regional institution with over $1 billion in assets and 83,000+ members across Florida, Alabama, and Georgia. From daily banking needs to investment services, our members aren't treated like an account number, but as part of the family.

Our Values

We are guided by our core values of Integrity, Care, Growth, and Innovation and are dedicated to our members, our community and each other.

Integrity
We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

Care
We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.

Growth
We set ambitious goals, provide personal development opportunities, and encourage results.

Innovation
We challenge the status quo to enhance the member's experience and solve tomorrow's challenges today.

Working at Gulf Winds

Working at Gulf Winds is not just a job, it's a career. We're hiring collaborative, motivated people who want to love what they do. We are forward-thinking and family oriented. We recognize and reward excellent member service and have fun while working hard. When you join the team, you can expect:

• Open and transparent communication with your leaders
• Consistent coaching and opportunities to improve performance.
• Collaborative and team-focused environments
• Short and long-term professional development
• Opportunity to participate in cross-functional projects.

With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast.

Interested applicants will also need to submit their application to Cloud Talent Agency

Role:
The Chief Lending Officer will direct and coordinate all lending activities within the Credit Union, ensuring compliance with Credit Union lending policy; assist in development of lending policy; manage lending activity to meet Credit Union goals and objectives. The Chief Lending Officer has responsibility for Consumer Lending, Indirect Lending, Mortgage Lending, and the Collections Departments within the organization.

Essential Functions & Responsibilities:
Directs and monitors lending operations for the entire Credit Union, through subordinate managers/supervisors, to ensure the Credit Union meets established goals and objectives with respect to lending. Monitors product delivery and quality and takes action to resolve problems.

Prepares department reporting, periodic loan department updates, and periodic reports for management's financial and operational reports; including new loan report, asset/liability report, loan officer statistical report, commercial potential problem loans reports.

Develops, proposes, gains acceptance for and implements lending program policy and strategy; leads activity related to new product development with respect to lending programs.

Participates in establishment of annual department budget and monitors performance to budget throughout the year; establishes annual sales goals (in conjunction with marketing) for lending programs and initiates action to achieve established goals.

Serves as a member of the Asset/Liability Committee to develop operating procedures that assure the Credit Union maintains sufficient levels of capital, liquidity and pricing spreads.

Ensures the Credit Union is in compliance with all lending regulations; develops procedural changes as compliance requires or new programs demand.

Analyzes loan data reports for any corrective action.

Performs other job-related duties as assigned.

Performance Measurements:
1. Maintains a cohesive, highly trained, motivated staff sufficient to meet daily department demand and longterm organizational goals.

2. Ensures the department is providing friendly, professional, timely, personal service to all members.

3. Ensures that divisions are meeting goals for delinquency, production, and sales.

4. Coordinates all lending programs, i.e. mortgage, student, consumer and implements loan promotions and communicates new programs and changes to policies to insure all lending activity is within established policies and regulations.

5. Keeps management informed regarding key operational issues affecting the department.

6. Establishes and achieves management development objectives for individual managers.

7. Notes observations of employee performance. Gives and receives coaching and feedback from division employees; completes performance reviews within the prescribed timeframe.

8. Complies with all applicable rules, regulations and policies, including but not limited to BSA, OFAC and
Physical Security.

Knowledge and Skills:
Experience: Eight to ten years of similar or related experience.

Education: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).

Interpersonal Skills: Work frequently involves exercising advanced conflict resolution, giving material presentations, and resolving issues impacting multiple departments or divisions. Role also requires the ability to motivate or influence others as a material part of the role, with a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the role and a high level of interpersonal skills is critical to the success of this 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. Should be able to run spreadsheet and word processing software. Ability to read, write, comprehend, and speak English clearly. Normally expected to work between 8:00 a.m. and 5:00 p.m. but may be required to work nights and/or weekends. Must adhere to safety rules and regulations.

Physical Requirements

Work Environment

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Gulf Winds is an Equal Opportunity Employer. Drug Free Workplace.

Interested applicants will also need to submit their application to Cloud Talent Agency