Job Description

The Company

You’re in Control

At Coast Central, we make banking easy, with access to your finances – anytime. With a network of over 30,000 free ATMs nationwide, the latest digital banking solutions, and 11 convenient Member Services Branches, one open Monday through Saturday and another open 7 days a week and evenings, control your funds from anywhere you happen to be.

Exceptional Service

We’re all about exceptional service. Our dedication to providing a personalized member experience means your individual growth and our thriving community go hand in hand. At Coast Central Credit Union, we are dedicated to helping our members achieve their version of financial success. We support the financial success of individuals, businesses, and community organizations throughout Humboldt, Del Norte, and Trinity counties. With a wide range of top-notch personal and business products, competitive rates and fees, and friendly, caring community advocates, we strive to make a difference every day because our members are central.

Community Commitment

Do you care about your community? So do we! As a member of Coast Central, you directly support $650,000 annually in community giving to deserving local non-profits such as CASA, Senior Resource Center, Food for People, Special Olympics, fire relief, Little League, youth soccer, and much more. Additionally, Coast Central employees volunteer thousands of hours each year throughout our tri-county region.

Key Pointers:

• Coast Central Credit Union is a not-for-profit financial cooperative, owned by their 79,000 members. Located throughout Humboldt, Del Norte, and Trinity counties
• CCCU was recently Named Best Bank/Credit Union by North Coast Journal readers for the 22nd consecutive year
• CDFI and BankOn designations received in 2025
• Our Mission Statement: We are the values-driven partner uniquely rooted in uplifting You
• Our Values: Champion Service Excellence, Maintain Financial Strength, Embody Integrity, Cultivate Innovation and Unite as One Team
• Our belief in the longtime credit union motto of “People Helping People” holds true through encouraging volunteerism throughout the areas that we serve and acknowledging employees for their valuable contributions. Each year, four Volunteers of the Quarter and a Volunteer of the Year are named. Our employees give back!

Purpose of the Position

In alignment with Coast Central Credit Union’s objectives, the SVP/Chief Lending Officer (CLO) will plan, direct, and oversee all lending and collections activities to achieve the organization’s strategic goals. This includes developing and interpreting loan policies, ensuring compliance with legal and regulatory requirements, and maintaining the overall quality of the lending portfolio. The CLO is a key member of the Senior Management Team.

Beyond operational oversight, this role carries a significant strategic mandate. Currently, the credit union maintains a loan-to-share ratio of approximately 54%, with a goal to increase this ratio to 60–70% over the next 3–5 years. Achieving this growth will require innovation and disciplined execution, including:

• Expanding Participation Strategies: Increasing the frequency, volume, and selectivity of loan participations, including leveraging a CDFI lens to ensure regulatory compliance and mission alignment.
• Driving Growth Through Innovation: Developing new lending products, enhancing participation approaches, and exploring opportunities in new markets or underserved segments.
• Grow our Commercial Program: With 15.6% of our portfolio already in business lending, this role will build on our strong foundation to expand commercial relationships as the premier financial institution in our region.
• Portfolio Optimization: Implementing strategic and selective portfolio pools to maximize penetration in a highly competitive marketplace.

The CLO will lead efforts to balance growth ambitions with prudent risk management, regulatory compliance, and the organization’s mission-driven objectives.

Key Responsibilities

• Responsible for the overall management and direction of credit union loan programs; including Real Estate, Consumer and Business lending and Collections.
• Prepares and recommends loan policies and policy revisions. Develops new lending programs to meet both the needs of the members and credit union objectives.
• Is responsible for the employment, counseling, performance evaluations, training, motivation and discipline of assigned employees.
• Reviews all regulatory changes and ensures that the credit union and loan services personnel comply with lending laws, regulations and Board policies. Implements any changes required and arranges necessary training for the loan staff.
• Recommends loan rates and fee structures based on market conditions and strategic planning and financial goals. Research and recommend new products, services and features.
• Communicates with members regarding lending needs. Negotiates with members or other individuals to resolve conflicts.
• Reviews and analyses monthly loan data to ensure that the credit union is attaining its projected goals and market penetration.
• Determines member services branch loan goals based on industry trends and credit union objectives.
• Ensures appropriate legal disclosures in lending.
• Analyzes lending systems and determines appropriate credit checking sources, computer processing systems, etc.
• Analyzes the loan portfolio and recommends the appropriate mix of consumer, real estate and commercial loans.
• Reviews loan requests of subordinates which exceed loan approval authority limits or are an exception to standard policies; audits branch loan portfolios and individual loan officers; calls on business prospects and members.
• Consistent with credit union by-laws, performs the function of Credit Manager as defined by California Credit Union Law.
• Oversees the collections department to monitor and control delinquencies.
• Keeps abreast of technological changes that affect the credit union and lending products.
• Works effectively with other members of the Senior Management Team to develop, plan and implement credit union objectives, services and programs.
• Responsible for ensuring the Member Loan Services staff provides quality member service in all member and staff interactions. Actively practices the behaviors found in the credit union’s Guidelines for Member Services in all interactions with members and staff.
• Responds to the directives of the President and Senior Vice President.
• Performs other duties as assigned.

The Candidate

Required Knowledge, Skills, and Abilities

Experience and professional qualifications required for the role.

• Requires a combination of knowledge and experience in the fields of management, lending, business or finance.
• Knowledge of financial statements, income taxes and cash flow analysis, and the laws and regulations affecting credit, lending and collections, plus an understanding of the role of credit unions; excellent oral and written communication skills and the ability to effectively work with staff, members and management.
• Exercise mathematical and conceptual abilities in the development of operating budgets, cost/benefits analysis and other projects requiring abstract reasoning and judgment.
• Demonstrated ability to provide strategic leadership across the organization to management and staff at all levels as well as guidance to executives in support of the organization’s mission.
• Superior oral and written communication skills and the ability to effectively work with employees, and management.
• Computer literacy, including the ability to enter data using the keyboard and computer terminal to develop documents, prepare correspondence, send emails, maintain records, etc., with accuracy and attention to detail.
• Ability to provide exceptional leadership and inspire, motivate, and guide others toward achieving shared goals.
• Ability to multi-task and work well under pressure to meet deadlines.
• Ability to manage situations with tact, professionalism, and diplomacy.
• Ability to present a professional image.
• Proven ability to supervise and direct the work of others.

Education and Experience

• A bachelor's degree with an emphasis in finance, business, accounting or related field. Ten or more years’ experience as a loan officer in a financial institution.Experience in real estate, consumer and business lending as well as collections experience preferred. A combination of exceptional credit union and/or other financial institution experience with course studies in business, finance or management may be substituted for a college degree.
• Bi-lingual a plus.

SE#510757241

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