Chief Lending Officer

Platinum Federal Credit Union; Duluth (GA); On-site; USD 180,000 - 280,000; Full time

Benefits offered by this job

Bonus potential

401(k) plan

Health insurance

Dental insurance

Vision insurance

Life insurance

Short-term disability

Long-term disability

Paid leave

Eleven bank holidays

Job summary

Platinum Federal Credit Union in Duluth, GA seeks a Chief Lending Officer to lead member business, consumer and real estate lending, collections and loan participations. Remote travel to branches and community sites will be required.

The CLO reports to the CEO and focuses on profitable growth with strong credit quality. The role emphasizes setting lending strategy, overseeing underwriting, maintaining policy standards, and leading the lending team on a path to long-term succession.

Qualifications

• 10+ years of lending experience with 5+ in leadership.
• Advanced underwriting and credit analysis for commercial and real estate.
• Knowledge of credit union and banking lending rules.
• Experience with loan participations sales/purchases.
• Master's degree or banking credential preferred.

Responsibilities

• Set and execute lending strategy across member business, consumer, real estate and collections.
• Oversee underwriting and credit analysis to grow volume while maintaining credit quality.
• Maintain sound lending policies and support timely credit decisions.
• Monitor portfolio performance, delinquency and charge-offs; manage participations.
• Ensure compliance with NCUA and lending regulations and cap.
• Streamline processes; introduce automation/AI to improve turnaround.
• Engage with community leaders; represent PFCU at events.
• Lead, coach and develop lending team; build successors.
• Serve on the Executive Leadership Team.

Skills

Leadership experience

Team development

Executive communication

Education

Bachelor's degree in business, finance or related field

Tools

Automation tools

AI in lending

Job description

Platinum Federal Credit Union (PFCU), headquartered in Duluth, Georgia, is a mission-driven credit union with more than $400 million in assets and over 14,000 members, recognized by S&P Global as a Top 25 Best Performing Credit Union in the Nation.

PFCU is seeking a Chief Lending Officer to lead its member business, consumer and real estate lending, collections and loan participations. Reporting to the CEO, the CLO will grow the portfolio profitably while maintaining strong credit quality. The role is based in Duluth, GA with some travel to branches and community sites.

Key Responsibilities

• Set and execute PFCU's lending strategy across member business, consumer, real estate and collections, aligned with the business plan.
• Oversee underwriting and credit analysis for member business and real estate loans, growing volume and profitability while maintaining strong credit quality.
• Maintain sound lending policies and underwriting standards, and partner with the Loan Committee on timely, well-supported credit decisions.
• Monitor portfolio performance, concentrations, delinquency and charge-offs, and manage the sale and purchase of loan participations.
• Ensure compliance with NCUA, consumer lending, Fair Lending and member business lending rules, including the member business lending cap.
• Streamline lending processes and introduce new products and technology, including automation and AI, to improve turnaround and the member experience.
• Build relationships with community leaders, institutions and members, and represent PFCU at community events.
• Lead, coach and develop the lending team, and build successors for long-term continuity.
• Serve as an active member of the Executive Leadership Team.

Required Qualifications

• Demonstrated ability to lead and develop teams and to communicate effectively with executives, committees and the community.
• Bachelor's degree in business, finance or a related field, or equivalent relevant professional experience.

Preferred Qualifications

• 10 or more years of lending experience, including at least 5 in lending leadership.
• Advanced underwriting and credit analysis skills for commercial and real estate transactions.
• Proven record of meeting production goals while maintaining strong credit quality.
• Credit union and banking experience, including knowledge of lending rules and regulations.
• Experience with both the sale and purchase of loan participations.
• Master's degree or banking school credential.

Compensation and Benefits

• Salary commensurate with experience, plus performance-based bonus potential.
• Comprehensive benefits including a 401(k) plan; health, dental, vision and life insurance; short-term and long-term disability; paid leave; and eleven bank holidays.

Platinum Federal Credit Union is proud to be an equal opportunity employer.