Director of Lending Operations Job Redwood Valley California USA,Finance & Banking

Location: Redwood Valley

Position Summary

The Director of Lending Operations provides executive leadership over the organization’s financial technology operations, with primary responsibility for directing, managing, and overseeing the lending program, including online and technology‑enabled lending activities. This position is accountable for implementing, administering, and overseeing lending operations to ensure full compliance with all applicable federal, state, tribal, and regulatory requirements, including consumer protection laws, fair lending standards, and data privacy regulations.

The Director of Lending Operations is responsible for strategic planning, business development, financial and operational management, risk management, ensuring enterprise-wide regulatory compliance, reporting, and oversight of third‑party vendors and service providers. The role also supports long‑term organizational growth by ensuring sound lending practices, strong internal controls, robust compliance infrastructure, and scalable systems that support both traditional and online lending platforms.

Responsibilities

Develop, implement, and oversee a profitable, compliant, and sustainable lending program, including online and technology‑enabled lending products.

Provide strategic leadership for lending operations, including product development, portfolio growth, underwriting standards, servicing, collections, and loss mitigation.

Establish, implement, and maintain a comprehensive internal control and compliance framework to promote operational efficiency, ensure adherence to all regulatory requirements, and mitigate financial, operational, compliance, and reputational risks.

Oversee credit policy development, underwriting guidelines, pricing strategies, and risk tolerance levels to support sound lending decisions.

Advise the Board of Directors on strategic, financial, operational, and regulatory matters related to lending and organizational performance.

Provide regular reporting to the Board on financial condition, loan portfolio performance, delinquency trends, charge‑offs, profitability, and key risk indicators.

Review and manage due diligence for existing and proposed third‑party vendors, including loan origination systems (LOS), servicing platforms, payment processors, data providers, and compliance vendors.

Monitor third‑party vendor performance to ensure compliance with contractual obligations, service level agreements, data security requirements, and regulatory standards.

Ensure strict compliance with all applicable consumer lending laws and regulations, including but not limited to TILA, ECOA, UDAAP, fair lending, privacy, data security, AML/BSA, KYC, and financial technology‑related regulatory requirements.

Maintain active communication and coordination with regulatory and governmental agencies as required.

Develop, maintain, and oversee policies and procedures governing lending operations, online lending activities, regulatory compliance, risk management, and internal controls to ensure alignment with evolving federal, state, and tribal regulatory standards.

Prepare, maintain, and safeguard corporate records, including financial, operational, compliance, and regulatory documentation.

Create and maintain a regulatory compliance calendar, including all required filings, licenses, renewals, examinations, and audits.

Analyze operational workflows and lending processes and implement improvements to enhance efficiency, accuracy, scalability, and customer experience.

Engage with community partners, stakeholders, and business leaders to support economic development and responsible lending initiatives.

Contribute to long‑range strategic planning, establish annual business objectives, manage budgets, and direct operational planning activities.

Stay current on short‑and long‑term economic trends, lending market conditions, and emerging developments in financial technology and online lending.

Demonstrate leadership by modeling professional conduct and upholding the organization’s values, vision, and operating principles, and positively represent Coyote Valley on and off the job.

Foster and maintain a professional, respectful, and inclusive work…