Chief Lending Officer

Job Title: Chief Lending Officer

Location: New Cumberland
Reports To: President & CEO
FLSA Status: Exempt
Employment Status: Full-Time

Position Summary

The Chief Lending Officer (CLO) provides strategic and operational leadership for NCFCU’s lending and collections functions. The CLO is responsible for developing and executing lending strategies that support responsible loan growth, portfolio quality, profitability, regulatory compliance, and exceptional member service.

As a member of the senior leadership team, the CLO works closely with the President & CEO and other members of management to establish lending priorities, evaluate portfolio performance, manage credit risk, develop lending personnel, and identify opportunities to improve products, processes, and the member experience.

Essential Duties and Responsibilities

• Provide overall leadership and strategic direction for consumer lending, loan servicing, collections, and asset recovery activities.
• Develop lending strategies and goals supporting sustainable loan growth, competitive pricing, profitability, portfolio quality, and the Credit Union's strategic plan.
• Lead, coach, and develop lending and collections personnel while establishing clear expectations, accountability, and service standards.
• Monitor loan production, portfolio composition, yields, delinquency, charge-offs, recoveries, concentrations, and other key performance indicators.
• Oversee collections, workouts, repossessions, bankruptcy administration, charge-offs, and recovery activities, coordinating with legal counsel when appropriate.
• Maintain sound underwriting and credit practices consistent with Board-approved policies, regulatory requirements, and the Credit Union's risk appetite.
• Review significant or complex credit decisions and exceptions within established lending authority.
• Evaluate loan products, pricing, policies, procedures, and delivery channels and recommend improvements as appropriate.
• Identify opportunities to improve lending technology, automation, workflows, turnaround times, and the overall member experience.
• Work collaboratively with Finance, Compliance, Operations, Marketing, and other departments on lending initiatives and organizational objectives.
• Prepare and present lending and portfolio performance information to executive management and the Board of Directors.
• Participate in strategic planning, budgeting, policy development, and management committees as assigned.
• Maintain knowledge of applicable lending regulations, industry trends, economic conditions, and emerging credit risks.
• Perform other duties and responsibilities as assigned by the President & CEO.

Qualifications

Required

• Bachelor's degree in business, finance, or a related field, or an equivalent combination of education and relevant experience.
• Significant progressive experience in consumer lending, credit administration, collections, or financial services, including leadership responsibility.
• Strong knowledge of lending operations, underwriting, loan pricing, portfolio management, collections, and applicable lending regulations.
• Demonstrated ability to lead and develop employees and effectively manage multiple lending functions.
• Strong analytical, financial, decision-making, and problem-solving skills.
• Excellent written, verbal, interpersonal, and presentation skills.
• Ability to exercise sound judgment, maintain confidentiality, and work effectively with executive management and the Board of Directors.

Preferred

• Previous senior lending leadership experience within a credit union or community financial institution.
• Experience with bankruptcy, collections, repossessions, recoveries, and loan servicing.
• Experience implementing or improving lending technology, processes, and analytics.

Core Competencies

Strategic Leadership Credit & Risk Management Lending Expertise Employee Development Financial Acumen Accountability Collaboration Member Service Communication Judgment & Integrity

Equal Employment Opportunity

The Credit Union is an equal opportunity employer and provides equal employment opportunities in accordance with applicable federal, state, and local laws.

Disclaimer: This job description describes the general nature and level of work performed in this position and is not intended to be an exhaustive list of all duties or responsibilities. Duties may be modified based on organizational needs.

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

Work Location: In person