Director of Lending at On Tap Credit Union

 JOB TITLE:                           Director of Lending

 REPORTS TO:                      Sr. Vice President of Lending

 CLASSIFICATION:                Exempt

 WORK ARRANGEMENT:      Hybrid (onsite a minimum of 3 days a week)

SUMMARY/OBJECTIVE

The Director of Lending provides strategic leadership and oversight of all lending functions, including mortgage, consumer, and commercial lending. This role ensures the Credit Union’s loan portfolio remains sound, profitable, and compliant with regulatory standards while supporting organizational goals. The Director drives portfolio growth, manages credit risk, develops lending strategies, and fosters a high-performing, service-focused culture aligned with the credit union’s values and K.E.G. of Excellence.

     DUTIES & RESPONSIBILITIES

• Direct and oversee mortgage and commercial lending operations, ensuring efficient processes and strong portfolio performance.
• Develop, implement, and monitor lending policies, programs, and underwriting standards.
• Drive business development and identify new lending opportunities that support strategic goals.
• Optimize lending processes to improve efficiency, turnaround times and member satisfaction.
• Ensure consistent application of credit union policies, procedures, and underwriting standards.
• Identify and develop new lending products and services to meet members’ needs and expand market reach.
• Implement pricing, promotion, and cross-selling strategies that align with the credit union’s goals.
• Build relationships with members, community organizations, and business partners to drive loan growth.
• Maintain a strong credit culture through sound underwriting, portfolio diversification, and ongoing risk assessment.
• Maintain compliance with federal and state lending regulations and internal policies.
• Lead, coach, and develop lending managers and teams to achieve sales, service, and quality goals.
• Collaborate with internal partners to ensure effective risk management and loan quality control.
• Represent the Credit Union in community and business relationships to strengthen market presence.
• Oversee departmental budgets, staffing, and operational efficiencies.

     KNOWLEDGE/SKILLS/EXPERIENCE

• Strong leadership skills with proven experience managing lending teams.
• In-depth knowledge of credit union or banking lending practices, products, and regulatory requirements.
• Strategic thinker with strong analytical, problem-solving, and decision-making abilities.
• Excellent interpersonal, communication, and coaching skills.
• Proficient in lending systems (Symitar and Meridian Link a plus), reporting, and Microsoft Office applications.
• Ability to build collaboration across teams and foster continuous improvement.

      QUALIFICATIONS/EDUCATION 

• Bachelor’s degree in business, finance, or related field preferred.
• Minimum of 5 years’ management experience in lending operations.
  • 3–5 years’ experience in credit union or banking environment.
  • Working knowledge of the EOS framework, a plus

• A personal smartphone with the capability of uploading the latest operating versions of 

       IOS or Android, is required

      OTHER DUTIES

• Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
• Must comply with applicable policies, laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Employees of On Tap Credit Union are responsible for maintaining the trust of our members, partners, and regulators through the safekeeping of member, Credit Union, and employee information assets.   To this end, each employee is responsible for understanding and adhering to On Tap Credit Union’s Information Security Policy and Program as the same relates to their role and work.  These duties vary by position and additional duties related to information security and/or participation in committees related to information security may be assigned from time to time.

      CORE VALUES:

As a team member of On Tap Credit Union, you’ll come to know our K.E.G. of Excellence as they heartbeat of our organization – a set of core values the illuminate our path and guide every action and decision we make.

• Kind: Caring, Empathetic, Approachable Ethical.
• Engaged: Build Collaborative Relationships, Continual Personal Growth, Accountable.
• Genuine: Authentic, Honest, Humble. 

 This is what it looks like:

Kindness is at the heart of everything we do. It’s about more than just being nice. It's about showing we are caring, empathetic, approachable, and ethical with members and each other.

•  Kindness is showing empathy by listening attentively to a member or colleague who's struggling and offering support. Whereas nice is just agreeing with someone to avoid conflict, even if you don't truly agree with them.
• Kindness is politely pulling someone aside and discreetly telling them they have spinach in their teeth. Whereas nice ignores the fact that someone has spinach in their teeth because it may feel uncomfortable to say something.
• Kindness is being approachable by keeping an open mind and putting yourself in someone else's shoes. 
• Kindness is being caring and going the extra mile for a member or colleague.
• Kindness is being ethical and offering the product and solutions that are truly best for members and colleagues. It’s not about reaching a goal or acting quickly.

Engagement reflects our commitment to being present and proactive in our roles. It's about being fully involved in our work, our community, and our members' lives. It’s about building collaborative relationships, continuously growing personally, and holding ourselves accountable.

• Engagement is building collaborative relationships with members and colleagues, helping them through roadblocks, and celebrating successes. 
• Engagement is building collaborative relationships with the community by volunteering and advocating to make a positive impact. 
• Engagement is being accountable by taking ownership of work, deadlines, commitments, and even mistakes.
• Engaged is being accountable in meetings by showing up prepared, actively listening, asking questions, limiting tech distractions, and giving thoughtful feedback.
• Engagement is personal growth by proactively seeking learning opportunities and being adaptable to change. 

Genuineness is about being authentic and transparent in all our dealings. It's about building trust through honesty and humility.

• Genuine is being humble by acknowledging that it is a full team effort when getting praised for a job well done. 
• Genuine is giving honest feedback on a broken process or procedure. Then partnering for solutions, not assuming it is someone else’s problem.
• Genuine is authentically embracing diversity, equity, and inclusion by acknowledging and celebrating the unique perspectives and experiences of individuals.