Administration - SVP - Lending Origination Operations

TITLE: SENIOR VICE PRESIDENT (SVP) – LENDING ORIGINATION OPERATIONS

STATUS: EXEMPT

REPORT TO: CHIEF CREDIT OFFICER

DEPARTMENT: ADMINISTRATION

JOB CODE: 11994

PAY RANGE: $287,200.00 - $350,000.00 ANNUALLY

The Senior Vice President (SVP) is a key member of the executive leadership team, responsible for driving strategic initiatives, overseeing major business functions, and ensuring alignment with the organization’s overall mission and goals. The SVP provides visionary leadership, operational oversight, and cross-functional collaboration to deliver sustainable growth and organizational excellence.

The Senior Vice President – Lending is responsible for the strategic direction, performance, and operational excellence of Golden 1 Credit Union’s commercial, mortgage and consumer lending originations. This role oversees the development, execution, and continuous improvement of lending strategies that deliver an exceptional member experience, strong financial results, safeguard asset quality, and provide members with accessible, competitive lending solutions. The SVP ensures lending programs remain compliant, innovative, efficient, and responsive to the evolving needs of current and prospective members.

You deliver lending products and services that consistently meet or exceed member expectations while ensuring the safety, soundness, and profitability of Golden 1 Credit Union. You lead and strengthen lending operations to drive quality, growth, and long-term financial health.

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 a visionary and strategic leader with a proven track record of driving transformation and delivering results at scale. You thrive in complex, fast-paced environments and bring clarity, focus, and inspiration to cross-functional teams. With a strong executive presence and exceptional communication skills, you influence at all levels and build trusted relationships with stakeholders, partners, and teams.

You lead with integrity, empathy, and accountability—empowering others to succeed while holding high standards for performance and collaboration to drive results. You are data-driven, customer-focused, and relentlessly curious, always seeking innovative ways to create value and advance the organization’s mission.

• Provide executive leadership for all commercial, mortgage, and consumer lending origination business units, ensuring they meet or exceed member service expectations, service level agreements, credit quality and other key performance indicators to ensure Golden 1 meets or exceeds its Strategic Goals.
• Ensure all members receive exceptional member lending experiences. 
• Evaluate, design, and enhance lending products, delivery channels, member experience, and operational functions including lending underwriting, fulfillment.
• Ensure proper leadership, staffing, development, and performance management practices are in place to deliver high-quality lending experiences to our members.
• Maintain expert knowledge of state and federal regulations governing credit union lending, including Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and related compliance requirements.
• Proactively ensure lending practices, policies, and controls support regulatory compliance and risk mitigation, which includes ongoing analysis and refinement of loan policies to ensure clarity, relevance, and operational effectiveness.
• Represent Golden 1 in interactions with regulatory agencies, auditors, and industry partners.
• Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision and core values.
• Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union’s risk appetite, and ensure operational integrity and compliance with applicable regulations.
• Other duties as assigned.

GOLDEN 1 LEADERSHIP EXPECTATIONS:

• Mission and Vision: Establish and implement programs that support the Credit Union’s mission, vision, Core Values, and strategic business objectives.
• Lead with Purpose: Anchor all strategic decisions and actions in a clearly articulated mission and a strong set of core values.
• Leadership and Guidance: Set strategic direction, making high-impact decisions, and fostering a culture of performance and development across multiple departments or a major business unit.
• Engagement & Culture: Driving employee engagement and culture, and retention strategies to position Golden 1 as an employer of choice. Drives engagement and culture by modeling desired behaviors, setting a clear vision, fostering open communication and transparency, and investing in employee development and recognition.
• Strategic Leadership: Developing and executing short and long-term strategies aligned with the company’s mission, vision, and growth objectives. Translate overall credit union vision into actionable plans ensuring operational excellence and alignment with long-term company goals.
• Strategic Planning and Execution: The ability to develop and implement strategic business plans that align with the credit unions’ short and long-term vision. This includes market analysis and identifying new business opportunities to drive growth.
• Collaboration: Working effectively with other senior executives, departments, and key stakeholders to create aligned, effective business strategies.

EDUCATION: Bachelor’s degree in Accounting, Finance, Business, or a related discipline required.

EXPERIENCE: Ten (10) years of management experience with medium to large sized financial services institutions with an emphasis on commercial, mortgage, and consumer lending products. Five (5) years or more of financial institution experience with an emphasis in lending origination operations.

KNOWLEDGE/SKILLS: 

• Knowledge regarding laws, rules, regulations, procedures impacting credit union lending and marketing activity, management, and consumer lending.

• Deep expertise in credit risk analysis, portfolio management, commercial/consumer loan underwriting, and knowledge of loan origination systems.
• A deep understanding of the company's market dynamics, competitive landscape, industry trends, and business functions.
• Expertise in budgeting, forecasting, financial reporting, and investment decision-making.
• Knowledge of change management, talent development, and performance optimization.
• Ability to inspire, align, and mobilize cross-functional teams toward shared goals.
• Capacity to anticipate market shifts, identify opportunities, and make data-informed decisions
• Drive transformation and adapt to evolving business environments.
• Ability to translate strategy into action to deliver measurable results
• Drives change and foster agility, accountability, and results through inclusive leadership.
• Proven track record of leading teams and aligning culture and engagement strategies to achieve business objectives.
• Strong interpersonal communications, presentation, and coaching skills with the ability to engage and influence senior leadership and employees at all levels.
• Familiarity with technology and systems to optimize workflow efficiency.
• Strong knowledge of federal, state, and local employment laws, as well as Golden 1 policies and guidelines.

INTERNAL: Management, staff at all levels, Audit Department, various Committees, and Board of Directors.

EXTERNAL: Potential employees, peers in other financial and other industry organizations, outside vendors and consultants, legal counsel, governmental agencies, trade organizations, financial industry training associations, and community organizations.

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient. 

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

Salary : $287,200 - $350,000