VP, Consumer Lending & Member Solutions – Growth & Impact

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

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.