Consumer Credit Administrator

Oregon State Credit Union; Corvallis (OR); Hybrid; USD 114,000 - 120,000; Full time

Benefits offered by this job

Health coverage

401k match

Bonuses

Paid holidays and time off

Credit-union-paid insurance

Job summary

Oregon State Credit Union is seeking a Consumer Credit Administrator to provide strategic leadership, governance, and oversight of the consumer lending credit function. You will shape underwriting practices, portfolio performance, and risk management to sustain growth and member service.

You will collaborate with Consumer Lending, Risk, Finance, and Operations to align policy, pricing, and risk strategies with business goals while maintaining credit quality and compliance.

Qualifications

• Demonstrated expertise in consumer credit underwriting and portfolio management.
• Ability to develop and refine credit policies and governance frameworks.
• Strong communication and cross-functional collaboration across Lending, Risk, Finance, and Operations.

Responsibilities

• Lead governance of the consumer lending credit function and ensure sound underwriting practices.
• Partner with lending, risk, finance and operations to align credit policy with business objectives.
• Monitor portfolio performance and guide credit decisioning strategies.

Skills

Credit risk

Portfolio management

Strategic leadership

Decision making

Analytical skills

Communication skills

Education

Bachelor's degree in Business/Finance/Economics

Certifications in credit or finance (plus)

Tools

Automated underwriting systems

Credit decisioning tools

Regulatory/compliance software

Job description

At Oregon State Credit Union, we are passionate about creating financial solutions that make lives better. As we continue to grow and evolve, we are seeking a Consumer Credit Administrator to provide strategic leadership, governance, and oversight of our consumer lending credit function. This role will help shape the future of consumer credit administration by ensuring sound underwriting practices, strong portfolio performance, and effective risk management strategies that support sustainable growth.

As the Consumer Credit Administrator, you will partner closely with Consumer Lending, Risk, Finance, and Operations leaders to align credit policy, pricing, and risk strategies with business objectives while maintaining strong credit quality standards. You will play a key role in developing and refining credit policies, monitoring portfolio performance, guiding credit decisioning strategies, and fostering a balanced credit culture that supports both risk management and exceptional member service.

What you will need to be successful:

• Credit Risk & Portfolio Management: Demonstrates deep expertise in consumer credit, underwriting, and portfolio management. Ability to analyze portfolio performance, identify emerging risks, conduct stress testing and scenario evaluations, and develop effective risk mitigation strategies. Skilled at balancing risk management objectives with responsible loan growth and member needs.
• Strategic Leadership & Decision Making: Ability to develop and implement credit policies, underwriting standards, and governance frameworks that support organizational goals and risk appetite. Exercises sound judgment when reviewing complex credit requests and policy exceptions and effectively influences lending and decisioning strategies across the organization.
• Analytical & Communication Skills: Possesses exceptional analytical, organizational, and problem-solving skills with the ability to synthesize complex information and provide meaningful recommendations. Excellent verbal and written communication skills with the ability to collaborate effectively across departments, build strong partnerships, and influence decision-making at multiple levels within the organization.
• Experience & Education: Five or more years of consumer lending, credit risk, or credit administration experience. Experience managing or influencing consumer credit policy and portfolio performance. Strong knowledge of consumer lending regulations and compliance requirements. Experience with consumer direct lending, indirect lending, unsecured lending, and credit card portfolios. Familiarity with automated underwriting systems and credit decisioning tools. Bachelor's degree in Business, Finance, Economics, or a related field (or equivalent experience). Relevant certifications or advanced education are a plus.

Ways we'll appreciate you:

• A collaborative and positive workplace culture
• Initial and on-going support, training and mentorship with promotion opportunities
• Competitive wages, bonuses, paid holidays and paid time off
• 100% credit-union-paid employee coverage for medical, dental, vision, life and disability insurance; dependent coverage also available
• 401k Plan with an amazingly generous credit union match!
• Tax-saving Flexible Spending and Health Savings Plans
• Premier membership perks, loan discounts, company clothing, wellness and recognition programs

Since it began in 1954, Oregon State Credit Union has been a member-owned, not-for-profit financial services institution. We exist for the benefit of our member-owners, and not to profit from them. That's what makes us different from banks and how we're able to create financial solutions that make lives better.

Location: 4800 SW Research Way, Corvallis
Work type: Full-time, Hybrid and Exempt
Compensation: $114 – 120k/year DOE + bonus

Oregon State Credit Union is an equal opportunity employer, including veterans and individuals with disabilities.

The information above provides the general nature of work performed in this position and outlines primary qualifications. The successful candidate must be able to demonstrate that they have the legal right to work in the US and pass a background screening to the satisfaction of Oregon State Credit Union.