Director of Consumer Lending

Oregon State Credit Union • Corvallis, OR

6d • Hybrid

About The Position

Oregon State Credit Union is seeking a Director of Consumer Lending to lead its consumer lending team and 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. The Director will partner closely with the VP of Consumer Lending and Servicing to shape and execute strategies that support loan growth, strengthen portfolio performance, optimize operational efficiency, and ensure sound risk management. The position 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.

Requirements

• Extensive knowledge of consumer lending operations, underwriting, dealer referral lending, and portfolio management.
• Experience leading consumer lending functions with responsibility for portfolio performance, credit quality, operational effectiveness and sustainable loan growth.
• Demonstrated experience developing and executing lending strategies that drive portfolio growth, operational efficiency, and member value.
• Prior success leading dealer referral programs including dealer relationships, program performance and indirect lending growth.
• Advanced knowledge of consumer lending regulations, underwriting standards, compliance requirements, and risk management principles.
• Proven experience overseeing lending compliance programs, audits, and regulatory examinations.
• At least five years of management or people-leadership experience required.
• At least eight years of progressive consumer lending experience including direct underwriting experience and responsibilities in lending operations, portfolio management, or dealer referral lending.
• Proficiency in MS Office, lending systems, reporting tools and consumer loan documentation programs required.
• Bachelor’s degree in Finance, Business or related field, or equivalent experience required.

Nice To Haves

• Experience utilizing lending analytics and performance reporting tools highly preferred.

Responsibilities

• Provide strategic and operational leadership for all aspects of consumer lending, including direct lending, indirect lending, underwriting, processing, funding and lending support operations.
• Shape and execute strategies that support loan growth, strengthen portfolio performance, optimize operational efficiency, and ensure sound risk management.
• Advance dealer referral partnerships.
• Develop high-performing teams.
• Leverage data and market insights to inform decisions and support the Credit Union’s long-term success.
• Evaluate credit risk, monitor portfolio trends, and implement lending strategies to support business objectives.
• 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.

Benefits

• A collaborative and positive workplace culture
• Initial and on-going support, training and mentorship
• Competitive wages, 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 an amazingly generous credit union match!
• Tax-saving Flexible Spending and Health Savings Plans
• Premier membership perks, loan discounts, company clothing, wellness and recognition programs, and more!

What This Job Offers

• Job Type: Full-time
• Career Level: Director