Director - Lending - Home Loans

J  o  b    D  e  s  c  r  i  p  t  i  o  n

THE DETAILS

Job Code:

11499

Grade:

NG

Status:

Exempt

POSITION AND PURPOSE

Lead and execute the growth and performance of the retail home loans division within the organization. Provide strategies that can navigate the competitive landscape of the mortgage industry while developing innovative solutions to enhance loan production and operational efficiency. Lead a high-performing team, focusing on cultivating a culture of excellence, accountability, and collaboration that empowers employees to exceed in performance. Foster strong relationships to build a robust network that drives loan growth and enhances the organization's reputation in the marketplace.

Identify and cultivate new opportunities and market trends, leveraging data-driven insights to inform strategic decisions that expand market share and improve member engagement. Develop and implement comprehensive strategies, that will enhance the overall member experience, ensuring that the organization not only meets but exceeds the expectations of its members.

Optimize loan origination processes, streamlining workflows, and integrating technology to improve service delivery. With a strong emphasis on compliance and risk management, the Director will ensure that all operational activities adhere to regulatory standards while supporting the organization's growth objectives.

General Description: Leads driving growth and optimizing the performance of the home loans retail division. This role involves guiding a high-performing team in developing and executing innovative strategies that significantly enhance loan production, streamline processes, and deliver exceptional service to members. Expanding market share and achieving the organization's growth objectives.

WHO WE ARE

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.

WHO YOU ARE

You are a strategic and results-driven mortgage lending leader with a proven track record of driving retail home loan growth, optimizing operational performance, and delivering exceptional member experiences.

You excel at developing innovative, data-driven strategies that increase loan production, expand market share, and strengthen competitive positioning.

Known for building high-performing teams and fostering a culture of accountability, collaboration, and excellence, you successfully balance growth, compliance, and risk management while cultivating strong internal and external relationships that enhance organizational reputation and achieve sustainable business results.

THE WORK

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Direct and grow initiatives aimed at home loan production growth, enhancing efficiencies, and improving the overall member experience in home lending.

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Develop, recommend and implement initiatives that improve on our service and delivery capabilities resulting in membership growth, and loan growth.

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Owner of corporate strategic initiatives or programs as assigned by the EVP, Chief Retail Officer. Lead the initiative when appropriate and represent Home Loans, Lending on other assignments Home Loans, Lending is not the business owner or sponsor of.

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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. Promote a high-performance work culture.

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Develop, prepare, process and analyze reporting that drives increased expectations, growth and results. Participate in and make recommendations for product and service enhancements.

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Direct recruitment initiatives to attract and hire top talent who will elevate our home loan and production capabilities, enhancing the overall member experience.

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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.

QUALIFICATIONS

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Bachelor’s Degree in related field or equivalent work experience required

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7+ years in a financial institution in a management capacity (or related discipline), including three years in a senior leadership capacity required

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Strong proven leadership skills, strong presentation and communication skills, knowledge of branch leadership, and sound knowledge of compliance and banking regulation.

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None required

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Strategic Alignment - Translates vision into actionable plans 

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Builds Strategic Partnerships - Fosters cross-functional collaboration 

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Influences & persuades - Gains buy-in for initiatives 

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Delivers Results with Adaptability - Executes effectively through change

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Cultivates Innovation and Decision Quality 

ORGANIZATIONAL CONTACTS AND RELATIONSHIPS

INTERNAL:

All levels of leadership and staff

EXTERNAL:

Financial industry training associations, community organizations, local colleges, travel agencies, vendors, and consultants.

WORKING CONDITIONS

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.

PHYSICAL REQUIREMENTS

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.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS

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.

DECLARATION/ACKNOWLEDGEMENT

This job description outlines the essential functions and physical/mental requirements necessary to perform this role. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.