Vice President of Consumer Lending - Frontwave Credit Union (Oceanside, CA)

Cu Today, Llc; Oceanside (CA); On-site; USD 180,000 - 280,000; Full time

Job summary

Frontwave Credit Union in Oceanside, CA seeks a strategic Vice President of Consumer Lending to grow and diversify a broad loan portfolio, including auto, credit cards, unsecured, solar and other lifestyle lending. This role blends visionary leadership with hands-on execution to strengthen member value, credit quality, and sustainable profitability.

Reporting to the Chief Lending Officer, the VP will modernize lending delivery, lead high-performing teams across channels, and balance growth with

Qualifications

• Experience growing and managing a consumer loan portfolio.
• Expertise across auto lending, credit cards, unsecured lending, and solar loans.
• Strong underwriting, credit risk, pricing, and portfolio analytics.

Responsibilities

• Grow market share while modernizing lending delivery.
• Lead high-performing cross-functional teams.
• Balance growth, profitability, service, and credit quality.
• Ensure responsible risk management across lending operations.

Skills

Portfolio management

Auto lending

Credit cards

Regulatory compliance

Lending operations

Executive leadership

Data-driven lending

Job description

Vice President of Consumer Lending - Frontwave Credit Union (Oceanside, CA)

Type: Full Time

Qualifications

• Strong experience growing and managing a consumer loan portfolio within a financial institution or fintech environment.
• Deep knowledge of auto lending, indirect lending, credit cards, unsecured lending, solar loans, and other secured consumer products.
• The ability to balance loan growth, credit quality, member value, and financial performance.
• Experience leading multi-channel lending operations and improving the member and employee experience.
• Strong understanding of underwriting, credit risk, pricing, portfolio analytics, regulatory compliance, and lending operations.
• Experience with loan origination systems, automated decision engines, and data-driven lending strategies.
• A track record of developing people, building accountability, and leading collaborative, high-performing teams.
• Strong executive presence, communication skills, and the ability to influence across the organization.

Responsibilities

The ideal leader brings both strategy and execution, with the ability to grow market share, modernize lending delivery, lead high-performing teams, and balance growth, profitability, service, and credit quality.

Location

Oceanside , California

Reporting to the SVP/Chief Lending Officer, this leader will oversee a broad consumer lending portfolio, including auto, credit cards, unsecured loans, solar, recreational vehicles, motorcycles, and other lifestyle lending solutions. The role will focus on sustainable growth, strong financial performance, operational excellence, and responsible risk management.