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Lending Director Jobs (NOW HIRING)

mfcu

Commercial Lending Director I

Midland, MI · On-site

COMMERCIAL LENDING DIRECTOR I Grade 15/Exempt Reports to: Chief Financial Officer The primary purpose of this position is to assist Members First Credit Union to deliver on its mission, vision, and ...

LDF Holdings LLC

Director of Lending

Lac Du Flambeau, WI · On-site

$106K/yr

The Lending Director position within LDF Holdings is pivotal in ensuring the profitability, stability, growth, and risk management of our Tribally owned business operating in the Tribal Lending ...

TAD PGS, Inc

Director of Lending

Randallstown, MD · On-site

$73K - $121K/yr

We have an outstanding career opportunity for a Director of Lending to join a leading Company located in the Randallstown/Parkville, MD surrounding area. Directs and coordinates all lending ...

TAD PGS, Inc.

Director of Lending

Baltimore, MD

$73K - $121K/yr

We have an outstanding career opportunity for a Director of Lending to join a leading Company located in the Randallstown/Parkville, MD surrounding area. Salary: $73,000 - $121,000 - DOE Directs and ...

New

TAD PGS, Inc

Director of Lending

Parkville, MD

$73K - $121K/yr

We have an outstanding career opportunity for a Director of Lending to join a leading Company located in the Parkville, MD surrounding area. Salary: $73,000 - $121,000 Directs and coordinates all ...

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Lending Director information

What is a Lending Director?

A Lending Director is a senior-level professional responsible for overseeing a financial institution's lending operations, which may include commercial, consumer, or mortgage loans. They develop lending policies, manage loan portfolios, and ensure regulatory compliance. Lending Directors also lead teams of loan officers, analyze credit risks, and work to achieve the organization's lending goals. Their role is critical in balancing risk and profitability while maintaining strong client relationships.

What are some common challenges faced by Lending Directors, and how can they be addressed?

Lending Directors often face the challenge of balancing risk management with meeting loan growth targets. They must carefully assess loan applications to minimize defaults, while also supporting business development and customer relationships. Staying updated on regulatory changes and ensuring compliance can also be demanding. These challenges can be addressed through ongoing training, fostering strong communication within the lending team, and implementing robust risk assessment frameworks.

What are the key skills and qualifications needed to thrive as a Lending Director, and why are they important?

To thrive as a Lending Director, you need deep expertise in credit analysis, risk assessment, and lending regulations, typically supported by a degree in finance or business and significant experience in commercial or consumer lending. Familiarity with loan origination systems, credit scoring tools, and financial analysis software such as Excel and specialized banking platforms is essential. Leadership, negotiation skills, and the ability to build strong client relationships are critical soft skills for this role. These abilities ensure sound lending decisions, regulatory compliance, and strong portfolio performance while fostering trust with clients and teams.

What is the difference between Lending Director vs Loan Officer?

AspectLending DirectorLoan Officer
CredentialsTypically requires a bachelor’s degree in finance, business, or related field; certifications like NMLS may be preferredUsually needs a high school diploma or equivalent; NMLS license required for mortgage loan officers
Work EnvironmentOversees lending operations, manages teams, and develops strategies in corporate or bank settingsWorks directly with clients to evaluate and process loan applications, often in bank branches or mortgage offices
Industry UsageCommonly found in banks, credit unions, and financial institutions managing lending departmentsFound in similar settings, focusing on client interactions and loan processing

The main difference is that a Lending Director oversees the entire lending department and sets strategic goals, while a Loan Officer handles individual loan applications and client interactions. Both roles require financial knowledge and industry certifications, but their responsibilities and scope differ significantly.

What cities are hiring for Lending Director jobs? Cities with the most Lending Director job openings:
What are the most commonly searched types of Lending jobs? The most popular types of Lending jobs are:
What states have the most Lending Director jobs? States with the most job openings for Lending Director jobs include:
Lending Director jobs near you

Commercial Lending Director I

mfcu

Midland, MI • On-site

Full-time

Posted 8 days ago

Job description

Are you a strategic commercial lending leader who thrives in building relationships and driving meaningful growth? Would you enjoy cultivating an environment of purpose, belonging and joy for your team? Members First Credit Union is seeking a Commercial Lending Director I to build strong business relationships, develop a healthy loan pipeline, and deliver strategic, solution-oriented results.
We strive to create an atmosphere of belonging with no judgment, just opportunity. We are interconnected to each other, and when we embrace our true authentic selves, we are stronger. We will empower you to be the best version of yourself while helping you to flourish in work and life. Come join us to help create thriving communities!
COMMERCIAL LENDING DIRECTOR I
Grade 15/Exempt
Reports to: Chief Financial Officer
The primary purpose of this position is to assist Members First Credit Union to deliver on its mission, vision, and brand promise. You will do this by living out our core values in every service contact to both internal and external members. At the heart of our Employee Value Proposition lies the belief in purpose, belonging, and joy, fostering a culture where every team member feels invested and encouraged to make a meaningful impact in the lives of others.
Essential Duties
  • Through leadership, coaching, and development, create a positive, empowering environment for the Commercial Lending team to allow for goal success and professional development.
  • Responsible for ownership, goal attainment, and overall success of the Commercial Lending function.
  • Lead, build, and scale commercial lending and services in alignment with the Credit Union's strategic plan, risk appetite, and service promises.
  • Drive sustainable portfolio growth while maintaining strong asset quality, sound credit risk management, and regulatory compliance.
  • Develop and maintain strong business relationships that create a healthy loan pipeline and deepen member relationships.
  • Serve as a visible ambassador of the Credit Union within the business and community markets.
  • Ensure an exceptional member and team member experience across all commercial lending and servicing activities.
  • Develop a deep understanding of lending, deposit, and treasury management solutions offered internally or by a 3rd party partner.
  • Solutions driven leader, ensuring products align with membership and credit union needs and risk appetite.
  • Grow and maintain key 3rd party vendor relationships.
  • Monitor rates, pricing, and market conditions to ensure competitiveness and alignment with industry trends.
  • Be a Thought Leader in the general leadership of the organization by identifying opportunities to optimize efficiencies through people, process, and technology with simplicity and care.
  • Lead alignment of Commercial policies, procedures, services, products, and documentation to meet federal and state regulations. Ensure team training and compliance.
  • This role is an in-office position with the flexibility to travel as needed.
  • Successfully obtain Certified Credit Union Financial Counselor (CCUFC) designation through America's Credit Unions within the first year of service with M1.

Duties and Responsibilities
The following statements are intended to describe the general nature and level of work being performed by this position. It is not intended to be an exhaustive list of all duties, responsibilities and skills required of this position. Other duties may be assigned to meet business needs.
  • Own the overall performance, growth, and risk profile of the commercial loan portfolio.
  • Oversee underwriting quality, loan structuring, approvals, renewals, modifications, and ongoing credit monitoring.
  • Ensure timely completion of annual reviews, financial analysis, site visits, covenant monitoring, and risk rating updates.
  • Monitor portfolio trends, concentrations, DSCR, LTV, and other risk metrics; recommend data-driven strategies for long-term portfolio success.
  • Identify potential problem loans and lead appropriate risk mitigation strategies.
  • Proactively identify and recommend improvements to Senior Leadership regarding key operational, credit, and strategic issues affecting the Commercial Lending function.
  • Review and approve credit approval packages and present recommendations to Senior Leadership, Business Lending Committee, ALCO and prepare Board presentations as needed.
  • Prepare monthly portfolio and regulatory reports for the Board of Directors and respond to ad-hoc reporting requests as needed.
  • Develop and expand the commercial member base by deepening existing relationships and cultivating new business opportunities.
  • Lead the Commercial Relationship Manager and educate Branch Leaders to identify target markets, centers of influence, and growth opportunities.
  • Maintain an active presence in business, community, chamber, and professional organizations to generate awareness and leads.
  • Partner with Marketing to develop business-related materials, promotions, and a strong commercial presence on the Credit Union's website.
  • Ensure cross-sales of products and services to meet member needs and strengthen overall relationships.
  • Professionally resolve escalated member and non-member complaints.
  • Ensure effective coordination across lending, credit, operations, documentation, servicing teams, and 3rd party vendors.
  • Oversee commercial lending workflows, systems, and tools, including Sageworks and onboarding platforms.
  • Optimize existing technology and explore new technology to optimize the entire commercial relationship lifecycle.
  • Lead the launch and implementation of new commercial products and services.
  • Collaborate with other lines of business to strengthen referrals, cross-selling, and member experience.
  • Support internal and external audits, portfolio reviews, and regulatory examinations. Responsible for timely resolution of audit and exam findings.
  • Prepare and review portfolio reporting, risk metrics, and Board-level materials; support strategic, operational, and credit-related initiatives as assigned.
  • Serve as project support on various strategic, operational, and/or credit related initiatives
  • Recommend policies, procedures, and processes that lead to an environment of continuous improvement.
  • Prepare, implement, and monitor the departmental budget in alignment with the Credit Union's strategic and financial plans.
  • Strive to exceed credit union strategic and commercial department goals
  • Create and sustain a positive, empowering work environment that supports goal achievement, accountability, and professional development.
  • Promote and model the Credit Union's Employee Value Proposition (EVP), mission, and core values in daily leadership behaviors.
  • Provide leadership, coaching, training, and performance management for team members.
  • Establish clear goals, expectations, and accountability aligned with strategic objectives.
  • Mentor and develop team members to build bench strength, succession readiness, and long-term capability.
  • Ensure team knowledge of lending practices, documentation requirements, systems, and regulatory expectations; implement cross-training and succession planning as appropriate.
  • Maintain continuing education individually and as a team on state and federal regulations to support compliance and risk mitigation.
  • Write, update, and conduct performance summaries for department staff, including monthly development progress reviews.
  • Address performance concerns through timely coaching, documentation, and collaboration with leadership and Human Resources, recommending training, resources, or disciplinary action as appropriate.
  • Conduct performance summaries and development reviews to support growth, accountability, and engagement.
  • Provide training and orientation for new department employees. Emphasis should be placed on our culture, mission, core values, and employee value proposition from the beginning.
  • Other duties and projects as assigned.

Qualifications and Expectations
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the expectations of the person performing this job.
  • Strong knowledge of commercial lending terms, practices, and regulatory requirements.
  • Advanced financial analysis skills, including global cash flow analysis, DSCR, LTV, pricing, and risk rating systems.
  • Ability to balance growth objectives with disciplined credit risk management.
  • Strong leadership presence with the ability to coach, influence, and hold others accountable.
  • Excellent communication, relationship-building, and decision-making skills.
  • Strategic mindset with the ability to interpret short- and long-term impacts of lending strategies.
  • High level of integrity and commitment to member service and community impact.
  • Maintain thorough knowledge of the credit unions policies, procedures and regulatory requirements.
  • Effectively apply and maintain financial counseling concepts, gained through America's Credit Unions' Financial Counseling Certification Program (FiCEP), to promote financial well-being.

Physical Requirements
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Ability to move or transport up to 25 pounds.
  • Able to remain stationary for 2-4 hours at a time.

Work Environment
  • Must maintain a neat and orderly work area.
  • Routinely clean and disinfect work areas (i.e. teller stations, desk surfaces, phones, electronic equipment).
  • Protect the confidentiality of credit union staff and members by locking door or removing items from desk/workstation when away.

Education and Experience
  • Eight to ten years similar or related experience
  • Bachelor's degree in Business, Finance, Accounting, or a related field, or equivalent experience.
  • Extensive experience in commercial lending, credit analysis, and portfolio management.
  • Prior leadership experience managing and developing high-performing teams.
  • Demonstrated success in relationship-based business development.
  • Advanced proficiency in project management that is both demonstrable and trainable.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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