Vice President of Consumer Lending

Vice President of Consumer Lending

Frontwave Credit Union

Oceanside, CA

Position Description

VICE PRESIDENT OF CONSUMER LENDING

Frontwave Credit Union

$1.7B Assets

Oceanside, California

At Frontwave Credit Union, the mission is simple and powerful:
We make financial dreams come true. That is why we are seeking a strategic Vice President of Consumer Lending to lead portfolio growth, strengthen member value, and elevate the lending experience across all channels.

Reporting to the SVP/Chief Lending Officer, this leader will oversee a broad consumer lending portfolio, including auto, credit cards, unsecured loans, solar, recreational vehicles, motorcycles, and other lifestyle lending solutions. The role will focus on sustainable growth, strong financial performance, operational excellence, and responsible risk management.

The ideal leader brings both strategy and execution, with the ability to grow market share, modernize lending delivery, lead high‑performing teams, and balance growth, profitability, service, and credit quality.

• Strong experience growing and managing a consumer loan portfolio within a financial institution or fintech environment.
• Deep knowledge of auto lending, indirect lending, credit cards, unsecured lending, solar loans, and other secured consumer products.
• The ability to balance loan growth, credit quality, member value, and financial performance.
• Experience leading multi‑channel lending operations and improving the member and employee experience.
• Strong understanding of underwriting, credit risk, pricing, portfolio analytics, regulatory compliance, and lending operations.
• Experience with loan origination systems, automated decision engines, and data‑driven lending strategies.
• A track record of developing people, building accountability, and leading collaborative, high‑performing teams.
• Strong executive presence, communication skills, and the ability to influence across the organization.

Consumer lending is a major part of how Frontwave helps members move forward. Whether members are buying their first car, managing life’s unexpected expenses, investing in their homes, or building stronger financial futures, this leader will help ensure Frontwave is ready with the right products, the right experience, and the right guidance.

This is a role for someone who wants to do more than manage a department. It is for a leader who wants to build, improve, grow, and make a lasting impact.

Compensation: $141,024 – $211,536 depending on experience.