Business Lending - 1st VP, Commercial Lending

Overview

At Mission Fed, we believe business lending is about more than balance sheets—it’s about building strong communities, trusted partnerships, and sustainable growth. We’re looking for a seasoned, relationship-driven leader to step into a pivotal executive role as our 1st Vice President, Commercial Lending.

This is a great opportunity to shape the future of business lending at a mission-driven financial institution—while leading a high-performing team, expanding a robust commercial loan portfolio, and cultivating strategic credit union partnerships nationwide.

Want to know more? Here are a few more details.

• Lead and grow Mission Fed’s commercial and business lending portfolio, driving loan, deposit, and account growth while maintaining strong pricing spreads and asset quality.
• Provide executive leadership to a team of commercial lenders, credit leaders, processors, and servicers—fostering a culture of accountability, collaboration, and professional development.
• Oversee credit quality, portfolio performance, and risk management, including delinquency oversight, loss mitigation, and REO disposition.
• Develop, implement, and continuously improve underwriting, servicing, and monitoring policies and procedures in alignment with regulatory expectations and market conditions.
• Serve as a key driver of loan participation strategy, building and managing relationships with other credit unions to buy and sell participations.
• Lead due diligence, negotiation, structuring, and ongoing monitoring of loan participations in compliance with NCUA regulations.
• Partner cross-functionally with Legal, Compliance, Finance, IT, and senior leadership to ensure operational excellence and regulatory readiness.
• Represent the Business Lending department with regulators, auditors, vendors, credit union partners, and the Board, delivering clear insights and strategic recommendations.
• Champion system optimization and integrations across commercial lending platforms to enhance efficiency and scalability.

• Bachelor’s degree or equivalent experience (two years of experience may substitute for one year of education).
• 10+ years of business lending experience, including commercial real estate.
• 5+ years of management experience in a related lending environment.
• Proven success managing loan participation programs, complex portfolios, and regulatory compliance.
• Strong background in credit analysis, underwriting, and relationship profitability.

• Executive-level leadership, coaching, and team development skills.
• Advanced knowledge of commercial lending regulations (NCUA, SBA, RESPA, TILA, Dodd-Frank).
• Strategic thinker with strong analytical, negotiation, and risk-assessment capabilities.
• Exceptional communication skills with the ability to influence at all levels.
• Relationship-builder with strong networking presence in the credit union and financial services community.
• Ability to balance growth, compliance, and member experience with confidence and integrity.

• The opportunity to work with a great team!
• You can’t beat a role in sunny San Diego!
• 18 days of annual PTO, plus 12 holidays
• 6% 401(k) match
• Full benefits package including medical, dental, vision, life insurance, and so much more
• On-site gym

Base Pay/Salary: $175,000 - $210,000 per year

• Actual base pay within this range will be determined by several components, including but not limited to, relevant experience, internal equity, skills, qualifications, and other job-related factors permitted by law.

Your privacy is very important to Mission Federal Credit Union. The California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) require Mission Federal Credit Union to inform California residents, including job applicants, of the categories of personal information we collect and the purpose for which the personal information will be used. This job applicant notice and the CCPA/CPRA notice provide the disclosures required by the CCPA/CPRA and apply only to applicants subject to the CCPA/CPRA.

Mission Federal Credit Union is an Equal Opportunity Employer. All applicants will receive consideration without regard to race, sex, color, creed, religion, age, marital status, sexual orientation, national origin, physical or mental disability, veteran status, or any other class protected by law. INDMF