Texas Health Credit Union
VP of Lending & Collections | Texas McCombs MBA Candidate | Class of 2026
Why Join the THCU Team?
At THCU, we are more than just a financial institution; we are a dedicated partner in our members' financial journeys. When you join our team as a Consumer Loan Officer, you will experience:
A Member-First Mission:
Focus on providing transparent, solutions-focused lending to support the financial well‑being of our community.
Consultative Lending:
Prioritize people over “sales” by recommending protection products like GAP or MBP only when they provide genuine value to the member.
Collaborative Environment:
Work in a supportive atmosphere alongside underwriting and operations to deliver a seamless member experience.
Professional Stability:
Enjoy a consistent 40‑hour work week with a predictable Monday–Friday schedule at our Austin office.
Location Schedule This is a full‑time, in‑office position at our Austin branch. The role typically averages 40 hours per week. Core department hours are Monday through Friday between 8:00 a.m. and 5:00 p.m. Individual schedules are set by management within those hours.
Job Summary The Consumer Loan Officer supports THCU members by providing knowledgeable, transparent, and solutions‑focused lending assistance. This position is responsible for originating quality consumer loans, guiding members through each step of the process, and ensuring every interaction reflects THCU’s commitment to service, accuracy, and financial well‑being.
The Consumer Loan Officer collects and verifies application information, prepares loan applications for underwriting, communicates decisions to members, and coordinates required documents through funding. The role also performs title and lien work for vehicle loans, works with members and dealers to resolve title issues, and supports the processing of home equity loans in accordance with Texas regulations and THCU procedures.
The Consumer Loan Officer recommends appropriate loan solutions and protection products such as Guaranteed Asset Protection (GAP), Mechanical Breakdown Protection (MBP), and Credit Life/Disability when they provide meaningful value to members and are suitable for their financial situation. The position contributes to overall lending and branch goals through responsible production, proactive follow‑up, and strong collaboration with underwriting, branch operations, and member service teams—always ensuring alignment with credit policy, disclosure requirements, and regulatory standards.
Essential Functions Loan Origination & Member Experience
Receive and process consumer loan applications in a prompt, accurate, and courteous manner in accordance with THCU policies and regulatory requirements.
Communicate with members throughout the application process, providing status updates, requesting documentation, explaining decisions, and setting clear expectations for next steps.
Recommend appropriate lending solutions and ancillary protection products such as GAP, MBP, and Credit Life/Disability, ensuring all disclosures are clear, accurate, and compliant.
Recognize opportunities to deepen member relationships by identifying relevant THCU products and services—including refinancing opportunities, credit cards, home equities, and protection products—and making appropriate referrals in a consultative, non‑pressured manner.
Support THCU lending campaigns and targeted promotions by identifying eligible members, explaining benefits, and conducting timely outreach consistent with program guidelines.
Conduct proactive outreach through phone calls, email, and in‑branch conversations, ensuring compliance with member communication preferences, consent requirements, and documentation standards.
Maintain service standards for response times, follow‑up, and first‑touch resolution.
Application Preparation & Funding Support
Collect and verify required documentation including identification, income verification, insurance, and collateral information.
Prepare loan applications for underwriting review and work closely with underwriting to resolve conditions or questions.
Coordinate funding activities, including obtaining signatures, ensuring proper disclosures, and confirming accuracy prior to disbursement.
Monitor pending applications to ensure timely completion and minimize abandoned or expired applications.
Title, Collateral & Home Equity Support
Complete title and lien work for vehicle loans, including payoff requests, lien placements, corrections, and follow‑up with members and dealerships.
Track outstanding titles and resolve discrepancies or delays with members, dealers, or state agencies.
Assist with the processing of home equity loans by gathering required documentation, coordinating with third parties, and ensuring compliance with Texas home equity regulations and THCU procedures.
Identify potential fraud or high‑risk activity, elevate appropriately, and follow red‑flag procedures.
Follow all applicable policies and regulations including BSA/AML, CIP, OFAC, Fair Lending/ECOA, TILA, FACTA/Red Flags, Privacy (GLBA), and adverse‑action procedures.
Maintain accurate and complete records, ensuring documentation supports decisions and audit readiness.
Protect member information at all times and use sound judgment in handling confidential data.
Work collaboratively with branch staff, underwriting, collections, and other departments to ensure a smooth member experience.
Participate in training and development to maintain current knowledge of loan products, systems, and regulatory guidelines.
Provide feedback on campaign effectiveness, member responses, and operational obstacles to help refine future promotions.
Suggest process improvements that enhance service quality, efficiency, or risk mitigation.
Perform other duties as assigned.
Education & Experience Education
High school diploma or equivalent required.
Additional coursework or certification in banking, finance, or consumer lending is preferred but not required.
Experience
Minimum of 2+ years of experience in consumer lending, loan processing, or a comparable financial services role involving direct member/customer interaction.
Experience working with loan applications, documentation collection, and member communication throughout the loan process is strongly preferred.
Prior exposure to title work, collateral, or home equity processes is helpful but not required.
Skills & Knowledge
Strong member‑service orientation with the ability to communicate clearly, professionally, and with empathy in person and over the phone and through email.
Working knowledge of consumer loan products and protection products such as GAP, MBP, and Credit Life/Disability.
Ability to collect, review, and verify income, identification, and collateral documentation with a high level of accuracy.
Familiarity with loan application workflows, including documentation, disclosures, and coordination through funding.
Basic understanding of applicable regulations such as BSA/AML, CIP, OFAC, Fair Lending/ECOA, TILA, and privacy requirements, with a willingness to learn more.
Strong organizational skills, with the ability to manage multiple applications, follow‑up with members, and meet service and production deadlines.
Demonstrated ability to recognize cross‑sell and referral opportunities while maintaining a consultative, non‑pressured approach.
Comfortable using computer‑based systems and digital workflows, with the ability to learn new software quickly.
Proficiency with Microsoft Office applications (Word, Excel, Outlook) and the ability to draft clear, professional emails.
High attention to detail and accuracy, particularly when reviewing member information, titles, and loan documentation.
Ability to work independently while contributing positively to a team environment.
Physical & Work Environment Requirements Physical Requirements
Ability to remain seated or standing for extended periods while working at a computer or meeting with members.
Frequent use of hands and fingers to operate a computer, keyboard, telephone, and standard office equipment.
Ability to converse and exchange information with members and team members in person and over the phone.
Visual ability sufficient to review documents, read screens, and verify member information with accuracy.
Occasional lifting or moving of boxes, files, or office supplies up to approximately 20 pounds.
This position works in a professional office/branch environment with typical noise and climate conditions.
Occasional travel may be required for training, meetings, or credit union events.
Duties are performed onsite at the branch during normal business hours.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.
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A Member-First Mission:
Focus on providing transparent, solutions-focused lending to support the financial well‑being of our community.
Consultative Lending:
Prioritize people over “sales” by recommending protection products like GAP or MBP only when they provide genuine value to the member.
Collaborative Environment:
Work in a supportive atmosphere alongside underwriting and operations to deliver a seamless member experience.
Professional Stability:
Enjoy a consistent 40‑hour work week with a predictable Monday–Friday schedule at our Austin office.
Location Schedule This is a full‑time, in‑office position at our Austin branch. The role typically averages 40 hours per week. Core department hours are Monday through Friday between 8:00 a.m. and 5:00 p.m. Individual schedules are set by management within those hours.
Job Summary The Consumer Loan Officer supports THCU members by providing knowledgeable, transparent, and solutions‑focused lending assistance. This position is responsible for originating quality consumer loans, guiding members through each step of the process, and ensuring every interaction reflects THCU’s commitment to service, accuracy, and financial well‑being.
The Consumer Loan Officer collects and verifies application information, prepares loan applications for underwriting, communicates decisions to members, and coordinates required documents through funding. The role also performs title and lien work for vehicle loans, works with members and dealers to resolve title issues, and supports the processing of home equity loans in accordance with Texas regulations and THCU procedures.
The Consumer Loan Officer recommends appropriate loan solutions and protection products such as Guaranteed Asset Protection (GAP), Mechanical Breakdown Protection (MBP), and Credit Life/Disability when they provide meaningful value to members and are suitable for their financial situation. The position contributes to overall lending and branch goals through responsible production, proactive follow‑up, and strong collaboration with underwriting, branch operations, and member service teams—always ensuring alignment with credit policy, disclosure requirements, and regulatory standards.
Essential Functions Loan Origination & Member Experience
Receive and process consumer loan applications in a prompt, accurate, and courteous manner in accordance with THCU policies and regulatory requirements.
Communicate with members throughout the application process, providing status updates, requesting documentation, explaining decisions, and setting clear expectations for next steps.
Recommend appropriate lending solutions and ancillary protection products such as GAP, MBP, and Credit Life/Disability, ensuring all disclosures are clear, accurate, and compliant.
Recognize opportunities to deepen member relationships by identifying relevant THCU products and services—including refinancing opportunities, credit cards, home equities, and protection products—and making appropriate referrals in a consultative, non‑pressured manner.
Support THCU lending campaigns and targeted promotions by identifying eligible members, explaining benefits, and conducting timely outreach consistent with program guidelines.
Conduct proactive outreach through phone calls, email, and in‑branch conversations, ensuring compliance with member communication preferences, consent requirements, and documentation standards.
Maintain service standards for response times, follow‑up, and first‑touch resolution.
Application Preparation & Funding Support
Collect and verify required documentation including identification, income verification, insurance, and collateral information.
Prepare loan applications for underwriting review and work closely with underwriting to resolve conditions or questions.
Coordinate funding activities, including obtaining signatures, ensuring proper disclosures, and confirming accuracy prior to disbursement.
Monitor pending applications to ensure timely completion and minimize abandoned or expired applications.
Title, Collateral & Home Equity Support
Complete title and lien work for vehicle loans, including payoff requests, lien placements, corrections, and follow‑up with members and dealerships.
Track outstanding titles and resolve discrepancies or delays with members, dealers, or state agencies.
Assist with the processing of home equity loans by gathering required documentation, coordinating with third parties, and ensuring compliance with Texas home equity regulations and THCU procedures.
Identify potential fraud or high‑risk activity, elevate appropriately, and follow red‑flag procedures.
Follow all applicable policies and regulations including BSA/AML, CIP, OFAC, Fair Lending/ECOA, TILA, FACTA/Red Flags, Privacy (GLBA), and adverse‑action procedures.
Maintain accurate and complete records, ensuring documentation supports decisions and audit readiness.
Protect member information at all times and use sound judgment in handling confidential data.
Work collaboratively with branch staff, underwriting, collections, and other departments to ensure a smooth member experience.
Participate in training and development to maintain current knowledge of loan products, systems, and regulatory guidelines.
Provide feedback on campaign effectiveness, member responses, and operational obstacles to help refine future promotions.
Suggest process improvements that enhance service quality, efficiency, or risk mitigation.
Perform other duties as assigned.
Education & Experience Education
High school diploma or equivalent required.
Additional coursework or certification in banking, finance, or consumer lending is preferred but not required.
Experience
Minimum of 2+ years of experience in consumer lending, loan processing, or a comparable financial services role involving direct member/customer interaction.
Experience working with loan applications, documentation collection, and member communication throughout the loan process is strongly preferred.
Prior exposure to title work, collateral, or home equity processes is helpful but not required.
Skills & Knowledge
Strong member‑service orientation with the ability to communicate clearly, professionally, and with empathy in person and over the phone and through email.
Working knowledge of consumer loan products and protection products such as GAP, MBP, and Credit Life/Disability.
Ability to collect, review, and verify income, identification, and collateral documentation with a high level of accuracy.
Familiarity with loan application workflows, including documentation, disclosures, and coordination through funding.
Basic understanding of applicable regulations such as BSA/AML, CIP, OFAC, Fair Lending/ECOA, TILA, and privacy requirements, with a willingness to learn more.
Strong organizational skills, with the ability to manage multiple applications, follow‑up with members, and meet service and production deadlines.
Demonstrated ability to recognize cross‑sell and referral opportunities while maintaining a consultative, non‑pressured approach.
Comfortable using computer‑based systems and digital workflows, with the ability to learn new software quickly.
Proficiency with Microsoft Office applications (Word, Excel, Outlook) and the ability to draft clear, professional emails.
High attention to detail and accuracy, particularly when reviewing member information, titles, and loan documentation.
Ability to work independently while contributing positively to a team environment.
Physical & Work Environment Requirements Physical Requirements
Ability to remain seated or standing for extended periods while working at a computer or meeting with members.
Frequent use of hands and fingers to operate a computer, keyboard, telephone, and standard office equipment.
Ability to converse and exchange information with members and team members in person and over the phone.
Visual ability sufficient to review documents, read screens, and verify member information with accuracy.
Occasional lifting or moving of boxes, files, or office supplies up to approximately 20 pounds.
This position works in a professional office/branch environment with typical noise and climate conditions.
Occasional travel may be required for training, meetings, or credit union events.
Duties are performed onsite at the branch during normal business hours.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.
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