Chief Lending Officer (CLO)

This job was posted by https://idahoworks.gov : For more information,

please see: https://idahoworks.gov/jobs/2598323

• How to apply:**Complete an Online Application at our
  
  

website[www.capedcu.com](http://www.capedcu.com/)for the specific job

opportunity that interests you.

• Role:**The Chief Lending Officer (CLO) serves as a key member of the
  
  

Executive Leadership Team responsible for establishing and executing

CapEds enterprise lending strategy across commercial, business, mortgage

and consumer lending. The CLO provides strategic leadership for the

credit unions lending portfolio, balancing sustainable growth,

profitability, member value, credit quality, regulatory compliance and

prudent risk management.

**Essential Functions & Responsibilities:**

• Provides strategic direction for the Credit Unions lending function,
  
  

including consumer, commercial, business, and residential mortgage

lending, ensuring alignment with the organizations strategic plan,

mission, financial objectives, and risk appetite.

• Develops and executes the organizational lending strategy,
  
  

identifying opportunities to drive sustainable loan growth, expand

market share, deepen member relationships, diversify the portfolio,

and generate profitable revenue.

• Maintains executive accountability for lending financial
  
  

performance, including portfolio growth, pricing, yield,

profitability, asset mix, credit quality, and other key performance

indicators. Partners with Finance on forecasting, budgeting, ALM,

and overall financial performance.

• Provides oversight of credit risk and portfolio management,
  
  

establishing appropriate underwriting standards, credit authorities,

concentrations, risk tolerances, and monitoring practices to balance

responsible growth with strong asset quality.

• Leads the development and evolution of lending products, channels,
  
  

technology, and processes, leveraging data, automation, digital

capabilities, and continuous improvement to enhance efficiency,

scalability, decision making, and the member experience.

• Monitors economic, competitive, regulatory, and industry trends and
  
  

proactively adjusts lending strategies, products, pricing,

underwriting, and portfolio approaches in response to emerging

opportunities and risks.

• Ensures lending activities operate in accordance with applicable
  
  

laws, regulations, policies, fair lending requirements, and

regulatory expectations, partnering with Risk, Compliance, Legal,

and Internal Audit to maintain effective controls and address

identified concerns.

• Collaborates with the Executive Leadership Team to drive growth,
  
  

innovation, and operational excellence across all business

functions.

• Provides the CEO, Board of Directors, and applicable committees with
  
  

clear and forward looking insight into lending strategy, financial

and portfolio performance, credit risk, market conditions, emerging

risks, and significant opportunities; represents the Credit Union

with regulators and external stakeholders as appropriate.

• Builds, leads, develops, and holds accountable a high-performing
  
  

lending leadership team, establishing clear expectations, developing

talent and succession pipelines, and fostering a culture of

collaboration, innovation, sound judgment, member focus, and

responsible risk-taking.

• Oversee hiring, assessing performance, coaching, and developing
  
  

direct and indirect employees in adherence to PXT policies and

employment law.

• Maintains knowledge of all Credit Union products, services, and
  
  

promotions.

• Contributes to efficient Credit Union operations by performing other
  
  

job-related duties as assigned.

**Knowledge and Skills:**

• Experience:**Minimum of 10 years of progressively responsible
  
  

management experience in a financial institution setting. Demo strated

experience overseeing consumer, mortgage, business banking and

commercial lending programs.

• Education:**A bachelor\'s degree.
  
  

**Other Skills:**

• Brand Promise**:
  
  

To make a difference - every member experience matters. Employees of

CapEd carry out our promise and values of EP!C by being**Empowered**- We

are knowledgeable and trusted to make decisions.**Professional**- We are

respectful in creating outstanding experiences.**Innovative**- We seek

new ideas for positive change.**Collaborative**- We connect with each

other to implement solutions (remove)

**Critical Competencies**

• Building Strategic Working Relationships and Partnerships**:
  
  

Identifying opportunities and taking action to develop strategic and

collaborative relationships with other areas, teams, departments, or

organizations to help achieve business goals.

• Change and Action:**Encouraging others to seek opportunities to
  
  

different and innovative approaches for problems and opportunities.

Facilitating the implementation and acceptance of change within the

workplace while remaining open-minded and accepting other ideas.

• Decision Making:**Identifying and understanding key issues and
  
  

opportunities; using an effective approach for choos