Director of Consumer Lending

About the role

We are seeking a Director of Consumer Lending to lead our consumer lending team and help drive sustainable loan growth, portfolio performance, operational excellence, and exceptional member service. This role provides strategic and operational leadership for all aspects of consumer lending, including direct lending, indirect lending, underwriting, processing, funding, and lending support operations.

Partnering closely with the VP of Consumer Lending and Servicing, you will help shape and execute strategies that support loan growth, strengthen portfolio performance, optimize operational efficiency, and ensure sound risk management. This role balances growth, member experience, and credit quality while advancing dealer referral partnerships, developing high-performing teams, and leveraging data and market insights to inform decisions and support the Credit Union’s long-term success.

The ideal candidate is a seasoned consumer lending leader with strong business acumen, deep lending expertise, and a passion for developing people, improving processes, and driving meaningful results.

Responsibilities

• Lead consumer lending operations, including direct lending, indirect lending, underwriting, processing, funding, and lending support.
• Develop and execute lending strategies to drive portfolio growth, operational efficiency, and member value.
• Oversee dealer referral programs, including dealer relationships, program performance, and indirect lending growth.
• Lead process transformations, automation initiatives, and continuous improvement within consumer lending operations.
• Analyze portfolio and operational performance data, evaluate market trends, identify growth opportunities, and recommend enhancements to lending products, services, and programs.
• Oversee lending compliance programs, audits, and regulatory examinations.
• Maintain and enhance underwriting guidelines, lending policies, and procedures to align with regulatory requirements, organizational objectives, and risk appetite.
• Lead, coach, and develop leaders and high-performing teams while fostering engagement, accountability, collaboration, and professional growth.
• Navigate complex employee relations matters, manage performance, and effectively lead through change.

Requirements

• At least eight years of progressive consumer lending experience, including direct underwriting experience and responsibilities in lending operations, portfolio management, or dealer referral lending.
• At least five years of management or people-leadership experience.
• Extensive knowledge of consumer lending operations, underwriting, dealer referral lending, and portfolio management.
• Advanced knowledge of consumer lending regulations, underwriting standards, compliance requirements, and risk management principles.
• Proven ability to evaluate credit risk, monitor portfolio trends, and implement lending strategies to support business objectives.
• Proficiency in MS Office, lending systems, reporting tools, and consumer loan documentation programs; experience with lending analytics and performance reporting tools is highly preferred.
• Bachelor’s degree in Finance, Business, or related field, or equivalent experience.

Benefits

• Competitive wages and 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 employer match.
• Tax-saving Flexible Spending and Health Savings Plans.
• Premier membership perks, loan discounts, company clothing, wellness, and recognition programs.

Pay

Starting at $159,200 per year, dependent on experience, plus bonus.

Schedule

Full-time, hybrid, and exempt.

Location: 1980 NW 9th St, Corvallis