Administration - EVP - Chief Lending Officer

Golden 1 Credit Union•Sacramento, CA

4d•Hybrid

About The Position

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values. You are passionate about helping members achieve their goals through lending solutions that balance growth, service, and responsible risk management. Leading lending operations, shaping portfolio strategies, and developing future-focused teams allow you to combine business leadership with member advocacy. Your vision helps drive both operational excellence and financial success.

Requirements

Bachelor’s Degree in related field plus equivalent work experience required
10+ years of progressive leadership experience in credit risk management, lending product management, lending operations, credit administration, or related financial services functions, including seven (7) or more years of financial institution management with an emphasis in consumer, mortgage, and business lending required

Nice To Haves

Executive-level experience leading enterprise lending strategy, large lending portfolios, credit risk governance, regulatory engagement, and cross-functional business execution is preferred

Responsibilities

Provide enterprise leadership for Golden 1’s consumer, mortgage, and business lending functions, ensuring strong execution across origination, underwriting, fulfillment, credit administration, delivery channels, and member experience.
Set and execute lending strategies that drive responsible growth, portfolio performance, profitability, competitive positioning, product relevance, and promotional effectiveness.
Oversee consumer lending product management, including evaluation, design, enhancement, pricing, promotion, and delivery of solutions that meet evolving member needs.
Establish and maintain loan policies, underwriting standards, approval practices, and risk tolerances that align with business objectives, regulatory requirements, and Golden 1’s risk appetite.
Manage credit risk and portfolio quality through effective monitoring, loan review, documentation, impairment analysis, and sound governance practices.
Provide clear, timely, and forward-looking communication to the CEO and executive stakeholders on high-risk matters, portfolio trends, strategic priorities, business performance, and the future direction of Golden 1’s lending business.
Ensure lending and other relevant policies and procedures are developed, documented, updated, and followed, meeting all necessary legal requirements, regulatory guidelines, credit risk appetite requirements, and other governance policies.
Build, coach, and engage high-performing teams that model Golden 1’s mission, vision, core values, accountability, collaboration, and operational excellence.
Perform other duties as assigned.