Administration - EVP - Chief Lending Officer

Clear Destination Inc.; Manlove (CA); Hybrid; USD 409,000 - 475,000; Full time

Job summary

Golden 1 Credit Union is seeking an EVP - Chief Lending Officer to lead enterprise lending across consumer, mortgage, and business portfolios. This role drives growth with risk-aware strategies and builds high-performing teams.

The successful candidate will set underwriting standards, oversee product management, and ensure regulatory alignment while delivering exceptional member experiences across channels. Sacramento-based hybrid work option.

Qualifications

• Bachelor’s Degree in related field plus equivalent work experience.
• 10+ years of progressive leadership in credit risk, lending ops, or related financial services.
• 7+ years in financial institution management focused on consumer, mortgage, and business lending.

Responsibilities

• Lead enterprise lending for consumer, mortgage, and business lending functions.
• Set lending strategies for growth, profitability, and risk.
• Oversee product management and pricing for lending solutions.
• Establish underwriting standards, policies, and risk tolerances.
• Manage credit risk and portfolio quality with governance practices.
• Communicate portfolio trends and strategic priorities to CEO and executives.
• Ensure policies meet regulatory requirements and governance.
• Build and coach high-performing lending teams.
• Perform other duties as assigned.

Skills

Leadership

Credit risk

Lending operations

Executive communication

Education

Bachelor's Degree

Job description

Job Title: EVP - Chief Lending Officer

Status: Exempt

Reports to: President and CEO

Department: Administration

Job Code: 11394

Pay Range: $408,800 - $475,000 Annually

Location: Hybrid in Sacramento, CA

WHO WE ARE:

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE:

You are passionate about helping members achieve their goals through lending solutions that balance growth, service, and responsible risk management. Leading lending operations, shaping portfolio strategies, and developing future-focused teams allow you to combine business leadership with member advocacy. Your vision helps drive both operational excellence and financial success.

WHAT YOU'LL DO:

• Provide enterprise leadership for Golden 1’s consumer, mortgage, and business lending functions, ensuring strong execution across origination, underwriting, fulfillment, credit administration, delivery channels, and member experience.
• Set and execute lending strategies that drive responsible growth, portfolio performance, profitability, competitive positioning, product relevance, and promotional effectiveness.
• Oversee consumer lending product management, including evaluation, design, enhancement, pricing, promotion, and delivery of solutions that meet evolving member needs.
• Establish and maintain loan policies, underwriting standards, approval practices, and risk tolerances that align with business objectives, regulatory requirements, and Golden 1’s risk appetite.
• Manage credit risk and portfolio quality through effective monitoring, loan review, documentation, impairment analysis, and sound governance practices.
• Provide clear, timely, and forward-looking communication to the CEO and executive stakeholders on high-risk matters, portfolio trends, strategic priorities, business performance, and the future direction of Golden 1’s lending business.
• Ensure lending and other relevant policies and procedures are developed, documented, updated, and followed, meeting all necessary legal requirements, regulatory guidelines,
• credit risk appetite requirements, and other governance policies.
• Build, coach, and engage high-performing teams that model Golden 1’s mission, vision, core values, accountability, collaboration, and operational excellence.
• Perform other duties as assigned.

QUALIFICATIONS AND PREFERENCES:

• Bachelor’s Degree in related field plus equivalent work experience required
• 10+ years of progressive leadership experience in credit risk management, lending product management, lending operations, credit administration, or related financial services functions, including seven (7) or more years of financial institution management with an emphasis in consumer, mortgage, and business lending required
• Executive-level experience leading enterprise lending strategy, large lending portfolios, credit risk governance, regulatory engagement, and cross-functional business execution is preferred

WHY JOIN US:

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS:

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.