VICE PRESIDENT OF CONSUMER LENDING & MEMBER SOLUTIONS

CUES TRAINING FACILITY; Modesto (CA); On-site; USD 140,000 - 190,000; 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, plus loan services and collections. The role partners with the Chief Lending Officer to drive strategy, performance and member experience, while leveraging data, nCino, and AI to improve efficiency.

The ideal candidate has extensive lending leadership experience, a track record in strategic planning and risk management, and a commitment to

Qualifications

• Bachelor's degree required; master's preferred.
• Six+ years in consumer, indirect, real estate lending, loan services, and member solutions/collections.
• Three+ years in senior management.

Responsibilities

• Oversee consumer, indirect, real estate lending, loan services and collections.
• Develop lending pricing strategies balancing growth, profitability and risk.
• Ensure compliance with lending regulations and risk management practices.
• Build and retain a high-performing lending and member solutions team.
• Collaborate with cross-functional leaders to advance community-focused initiatives.

Skills

Strategic planning

Lending leadership

Risk management

Team leadership

Communication

NMLS compliance

Spanish proficiency

Education

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

Master’s degree preferred

Tools

nCino

AI technologies

Analytics tools

Job description

VICE PRESIDENT OF CONSUMER LENDING & MEMBER SOLUTIONS

Valley First Credit Union

Modesto, CA

Position Description

VICE PRESIDENT OF CONSUMER LENDING & MEMBER SOLUTIONS
Valley First Credit Union
$1.1B Assets
Modesto, CA

Where Lending Leadership Drives Community Impact

Valley First Credit Union 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 Priorities

Lead 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.
• Spanish proficiency 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: $140,00-$190,000

Why 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.