Chief Lending Officer Credit Union

Chief Lending Officer

We are seeking an innovative and strategic lending professional to join our team as the Chief Lending Officer.

• Set the long‑term strategic direction for all lending divisions, ensuring alignment with organizational goals, member needs, and market opportunities.
• Lead the development of lending strategies that optimize portfolio mix, profitability, and risk‑adjusted returns.
• Serve as a key contributor to enterprise‑wide strategic planning, ALCO discussions, and balance sheet optimization initiatives.
• Champion innovation in lending products, delivery channels, and technology platforms.

• Provide executive leadership to Commercial Lending, Consumer Lending, Mortgage Lending, and Member Solutions (Collections).
• Ensure strong credit discipline, underwriting quality, and adherence to lending policies across all product lines.
• Oversee complex commercial credit relationships, loan structuring, and portfolio management.
• Direct the Collections and Recovery functions to mitigate losses and maintain regulatory compliance.

• Lead the Credit Union’s credit analytics capabilities, including pricing analytics, NEV modeling, IRR, liquidity planning, and balance sheet strategy.
• Drive development and refinement of pricing models, risk‑based pricing strategies, and profitability analytics.
• Ensure accurate allowance methodologies (CECL), portfolio stress testing, and credit migration analysis.
• Provide executive‑level insight to ALCO, including scenario modeling, rate strategy, and capital planning.

• Oversee implementation, optimization, and governance of Loan Origination Systems (LOS) and related lending technologies.
• Lead Fin Tech partnership evaluations, integrations, and vendor negotiations to enhance lending capabilities and member experience.
• Ensure strong data governance, reporting accuracy, and analytics maturity across lending systems.

• Ensure all lending activities comply with federal and state regulations, NCUA guidance, and internal policies.
• Provide executive leadership during regulatory examinations, internal audits, and external reviews.
• Leverage legal knowledge to interpret complex regulatory requirements, loan documentation, and contractual obligations.
• Oversee policy development, updates, and governance for all lending‑related policies.

• Build and mentor a high‑performing leadership team across all lending divisions.
• Foster a culture of accountability, innovation, and continuous improvement.
• Ensure leaders at all levels are developing successors and building organizational bench strength.
• Promote cross‑departmental collaboration and communication.

• Bachelor’s degree in Business, Finance, Economics, or related field required.
• Master’s degree or Juris Doctor preferred.
• Formal commercial credit training strongly preferred.

• Minimum 10 years of Commercial Lending experience as a commercial lending sales leader, market president, or equivalent senior role.
• Demonstrated success leading large, multi‑disciplinary lending teams.
• Deep experience in commercial credit underwriting, portfolio management, and credit risk assessment.
• Proven track record implementing LOS platforms, digital lending solutions, and/or Fin Tech integrations.
• Experience working directly with ALCO, including pricing analytics, NEV, IRR, and liquidity planning.
• Strong background in regulatory compliance, loan documentation, and legal interpretation.