Vice President, Consumer Lending & Member Solutions

Valley First Credit Union; Modesto (CA); On-site; USD 143,000 - 180,000; Full time

Job summary

Valley First Credit Union in Modesto, CA seeks a Vice President of Consumer Lending & Member Solutions to lead consumer, indirect, and real estate lending, loan services, and collections. Use data, technology (nCino, AI) to improve efficiency and decision-making.

You will partner with the Chief Lending Officer to set goals, drive growth, manage risk, and enhance member experience while supporting underserved communities through CDFI objectives.

Qualifications

• Bachelor's degree in listed fields required; master's preferred.
• Experience across consumer, indirect, real estate lending, and member solutions/collections.
• Strong leadership and strategic planning experience in lending and collections.

Responsibilities

• Oversee consumer, indirect, real estate lending, loan services, and collections operations.
• Develop lending and pricing strategies balancing growth, profitability, portfolio performance, and risk.
• Advance CDFI mission by expanding access to financial services for underserved communities.
• Establish metrics around pull-through, delinquencies, charge-offs, and recoveries; evaluate underwriting criteria.
• Hire, coach, develop, and retain lending and member solutions professionals.
• Stay ahead of regulatory changes and translate into policies and procedures.
• Collaborate with retail banking, finance, marketing, payments, and technology to improve service.

Skills

Communication skills

Analytical skills

Problem-solving

Decision-making

Organizational skills

Education

Bachelor's degree in Accounting, Business Administration, Finance, Financial Management, Economics, Management, or related field

Master's degree preferred

Tools

nCino

Analytics tools

AI technologies

Job description

VICE PRESIDENT OF CONSUMER LENDING & MEMBER SOLUTIONSValley First Credit Union

$1.1B Assets

Modesto, CA

Where Lending Leadership Drives Community Impact

Valley First Credit U]inc is seeking a Vice President of Consumer Lending & Member Solutions to lead a broad lending and collections function spanning consumer, indirect, and real estate lending, loan services, and member solutions.

This is a leadership opportunity for someone who can connect lending strategy, operational performance, risk management, and member experience. Working alongside the Chief Lending Officer, the VP will establish goals, strengthen performance, identify opportunities for growth, and ensure lending and collections practices deliver both sound financial results and meaningful value to members.

The role will oversee the full lending lifecycle, from origination and underwriting through processing, closing, servicing, and collections, while using data, technology, and tools such as nCino and AI to improve efficiency and decision-making. The VP will also shape lending products and collections strategies, manage portfolio performance, establish meaningful metrics, and ensure practices remain compliant and responsive to changing regulations and industry trends.

Strategic PrioritiesLead Lending & Member Solutions

Oversee consumer, indirect, real estate, loan services, and collections operations, creating a consistent focus on performance, efficiency, compliance, and member experience.

Drive Growth with Discipline

Develop lending and pricing strategies that balance growth, profitability, portfolio performance, and risk. Identify opportunities to generate revenue, manage expenses, and strengthen results.

Advance the CDFI Mission

Help expand access to financial services for underserved communities by developing lending and collections strategies aligned with Valley First’s CDFI objectives. Measure and communicate the economic impact of these efforts.

Strengthen Performance & Risk Management

Establish clear goals and measures around pull-through and conversion ratios, delinquencies, charge-offs, and recoveries. Continually evaluate underwriting criteria, policies, and practices to manage risk and mitigate losses.

Build a High-Performing Team

Hire, coach, develop, and retain talented lending and member solutions professionals while creating a culture of accountability, inclusion, continuous improvement, and high performance.

Stay Ahead of Industry & Regulatory Change

Monitor changes in legislation, regulations, industry practices, and emerging lending trends, including CECL, and translate those developments into relevant policies, procedures, and practices.

Connect Across the Organization and Community

Work closely with leaders in retail banking, finance, marketing, payments, and technology to improve member service, coordinate resources, and advance lending initiatives. Serve as representative of the organization to help strengthen its presence in the community.

What You Bring

• Bachelor's degree in Accounting, Business Administration, Finance, Financial Management, Economics, Management, or a related field required; master's degree preferred.
• At least six years of experience across consumer, indirect, real estate lending, loan services, and member solutions/collections.
• At least three years of senior management experience.
• Strong track record of strategic planning, driving growth in lending and collections, and developing high-performing teams.
• Strong knowledge of lending and collections regulations, risk management, and industry best practices.
• Experience with CDFI initiatives and a commitment to serving underserved communities preferred.
• Proficiency with nCino, analytics tools, and AI technologies preferred.
• Strong communication, analytical, problem-solving, decision-making, and organizational skills.

This position is considered a Loan Originator under the SAFE Act. Candidates must be eligible to obtain and maintain valid registration with the National Mortgage Licensing System (NMLS) and Registry in compliance with federal law.

Compensation: $143,000-$180,000Why Valley First

Valley First is a $1 billion credit union with more than 80,000 members across California's Central Valley, but its impact is measured by more than its size. Its designation as a Community Development Financial Institution (CDFI) and a Low-Income Credit Union reflects a commitment to expanding financial opportunity for underserved communities. Valley First is also a Juntos Avanzamos Credit Union and an SBA Preferred Lender.

For a lending leader who wants to combine strong business performance with purpose, this is an opportunity to influence lending strategy, develop people, strengthen operations, and help create greater economic opportunity across the Central Valley.

Making Good Happen is more than Valley First's tagline, it is the opportunity this leader will have every day.