VP of Lending & Member Solutions

Education First Credit Union (EFCU) is a full-service not-for-profit financial institution. Our mission is to enhance our members’ financial position through education, quality service, and value-minded products. Education First Credit Union was founded in 1936 by a small group of Columbus City School teachers. Our members include school employees and students in the State of Ohio. Recently our membership has been expanded to include Franklin and surrounding Counties.

Recognizing the social impact of education on our society, we will continue serving school employees and students within this vital community as our primary point of emphasis.

We’re based in Columbus, with an additional branch office located in Reynoldsburg.

Our recruiting process:

• Position has been posted internally and externally.
• 20-minute conversation with HR
• 60-minute in person conversation with panel interview
• Job offer

EFCU is looking for a Vice President of Lending & Member Solutions (Collections) for our Columbus Corporate Office.

The VP of Lending & Member Solutions (Collections) provides executive leadership and oversight for the credit union’s full spectrum of lending and collections operations, ensuring that both functions operate efficiently, profitably, and in full compliance with regulatory requirements. This role is responsible for developing and executing strategies that grow the credit union’s loan portfolio, optimize credit quality, and enhance member satisfaction while managing risk prudently.

The VP partners with the executive leadership team to align lending and collections initiatives with the credit union’s overall strategic goals, financial performance targets, and risk appetite. This includes overseeing loan origination, underwriting, portfolio management, collections, and loss mitigation, ensuring consistent adherence to policies, procedures, and NCUA expectations.

In addition, this role fosters a member‑centric culture, balancing the credit union’s financial objectives with compassionate, fair, and effective member solutions. The VP provides leadership in monitoring trends, analyzing portfolio performance, and implementing operational improvements that support sustainable growth, strong credit quality, and positive member experiences. The position also serves as a key resource to the board of directors and senior management, providing insights, reporting, and guidance on credit risk, portfolio health, and collections strategy.

This is primarily a in‑office position with occasional hybrid work. Candidates must live in the Columbus area and have reliable transportation to the office.

• Lending Oversight
  • Provide executive leadership and strategic direction for all lending activities, including consumer, mortgage, home equity, and indirect lending, ensuring alignment with the credit union’s mission, financial objectives, and risk appetite.
  • Develop, implement, and maintain comprehensive lending policies, procedures, and internal controls that comply with federal and state regulations, including NCUA guidance, and ensure consistent adherence by all lending staff.
  • Manage credit risk by overseeing underwriting standards, loan structuring, portfolio diversification, and periodic loan reviews. Continuously monitor loan performance, delinquency trends, and early warning indicators to proactively mitigate potential losses.
  • Oversee Indirect Auto Lending, including dealer relationship management, compliance with credit union policies, portfolio risk analysis, and performance monitoring. Implement strategies to maximize growth while protecting portfolio quality and ensuring member value.
  • Lead the development and enhancement of lending products, including evaluating interest rates, terms, and credit criteria to meet member needs while maintaining credit union profitability and safety.
  • Drive innovation in lending operations, including adoption of digital lending solutions, online applications, automated underwriting tools, and streamlined loan processing to improve member experience and operational efficiency.
  • Partner with marketing and member engagement teams to promote lending products effectively, identify growth…