Director of Consumer Lending

Oregon State Credit Union is built on a foundation of member focus, integrity and community impact. These values shape how we work and empower our teams to stay true to our vision of creating financial solutions that make lives better. We are seeking a Director of Consumer Lending to lead our consumer lending team and help drive sustainable loan growth, portfolio performance, operational excellence, and exceptional member service.

As Director of Consumer Lending, you will provide strategic and operational leadership for all aspects of consumer lending, including direct lending, indirect lending, underwriting, processing, funding and lending support operations. Partnering closely with the VP of Consumer Lending and Servicing, you will help shape and execute strategies that support loan growth, strengthen portfolio performance, optimize operational efficiency, and ensure sound risk management. This role 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.

What you will need to be successful

• Consumer Lending & Portfolio Management Expertise: 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. Proven ability to evaluate credit risk, monitor portfolio trends, and implement lending strategies to support business objectives.
• Strategic Leadership & Business Development: 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. Experience leading process transformations, automation initiatives, and continuous improvement within consumer lending operations. Proven ability to analyze portfolio and operational performance data, evaluate market trends, identify growth opportunities, and recommend enhancements to lending products, services and programs.
• Risk Management & Regulatory Compliance: Advanced knowledge of consumer lending regulations, underwriting standards, compliance requirements, and risk management principles. Proven experience overseeing lending compliance programs, audits, and regulatory examinations while maintaining and enhancing underwriting guidelines, lending policies, and procedures to align with regulatory requirements, organizational objectives and risk appetite.
• Leadership & Talent Development: At least five years of management or people-leadership experience required. Proven ability to lead, coach and develop leaders and high-performing teams while fostering engagement, accountability, collaboration, and professional growth. Ability to navigate complex employee relations matters, manage performance, and effectively lead through change.
• Experience & Education: 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 with experience utilizing lending analytics and performance reporting tools highly preferred. Bachelor's degree in Finance, Business or related field, or equivalent experience required.

Ways well appreciate you

• 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!

Since it began in 1954, Oregon State Credit Union has been a member-owned, not-for-profit financial services institution. We exist for the benefit of our member-owners, and not to profit from them. Thats what makes us different from banks and how were able to create financial solutions that make lives better.

Location: 1980 NW 9th St, Corvallis

Work type: Full-time, Hybrid and Exempt

Compensation: Starting at $159,200k/year DOE + bonus

Oregon State Credit Union is an equal opportunity employer, including veterans and individuals with disabilities.

The information above provides the general nature of work performed in this position and outlines primary qualifications. The successful candidate must be able to demonstrate that they have the legal right to work in the US and pass a background screening to the satisfaction of Oregon State Credit Union.

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