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Lending Director Jobs (NOW HIRING)

TAD PGS, Inc

Lending Manager

Parkville, MD

$73K - $121K/yr

We have an outstanding career opportunity for a Lending Manager to join a leading Company located ... Depending on your temporary assignment, benefits may include direct deposit, free career counseling ...

Mass Bay Credit Union

AVP of Lending

Boston, MA · On-site

$90 - $130/hr

Direct Reports The AVP will supervise an Underwriter, the Consumer Loan Supervisor, four Consumer Loan Processors, and two Home Equity processors. #J-18808-Ljbffr

Socket.dev

NY · On-site

$180 - $320/hr

Chief Lending Officer Location: 1500 NW 107th Avenue Miami, FL. 33172 Summary The Chief Lending ... Responsibilities include hiring, directing work assignments, monitoring performance, providing ...

New

Savvy STR Home Loans

Director Of Lending

$200K/yr

We're looking for our Founding Director of Lending , a forward-thinking mortgage professional who wants to help build a lending platform from the ground up. This is an opportunity to make a lasting ...

New

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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?

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

Director, Credit Risk Oversight - Consumer Lending (2nd Line of Defense)

Best Egg

Wilmington, DE • Remote

$125K - $150K/yr

Full-time

Re-posted 3 days ago

Job description

Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, we combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution—working together to create a better financial future for our customers and communities.


At Best Egg, you’ll find a culture grounded in our core values—putting people first, creating clarity, delivering with excellence —enhanced by Barclays’ commitment to integrity, inclusion, and long-term impact. Together, we empower our colleagues to challenge, innovate, and take ownership while making a meaningful difference in people’s financial lives.


With the strength of Barclays behind us, we offer expanded opportunities for growth, development, and career mobility across a global organization—while continuing to build the products and experiences that make Best Egg unique.


We’re looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.


We’re proud to be an equal opportunity employer committed to building a diverse and inclusive team.


About the Role

We are seeking an experienced Director of Credit Risk Oversight to join our Second Line of Defense (2LOD) supporting unsecured and secured personal loan products. This role will provide independent oversight, governance, and credible challenge across credit underwriting, pricing, loan amount, portfolio performance, credit policy governance, and risk appetite.

This individual will play a critical role in ensuring that credit strategy and growth initiatives are aligned with the company’s risk appetite, regulatory expectations, and sound risk management practices.

Key Responsibilities:

Credit Risk Oversight & Governance

  • Provide independent 2LOD oversight and challenge of credit underwriting, loan amount/credit exposure, pricing, and portfolio performance strategies
  •  Ensure effective governance frameworks are in place for credit decisioning, strategy changes, documentation, and reporting

Portfolio Monitoring & Risk Analytics

  • Monitor portfolio performance across originations, vintages, and customer segments
  • Identify emerging risks, evolving trends, and portfolio concentration opportunities
  • Evaluate impacts of strategy changes on approval rates, credit quality, and profitability

 Marketing & Growth Strategy Oversight

  • Understanding of marketing and growth strategies impacts to ensure alignment with credit risk appetite and portfolio objectives
  • Review expansion strategies (e.g., new segments, channels, or products) for risk implications

Regulatory & Compliance Oversight

  • Ensure adherence to applicable consumer lending and fair lending regulations (e.g., ECOA/Reg B, FCRA, UDAAP, etc.)
  • Provide effective challenge on fair lending risk, model bias, and disparate impact considerations
  • Support regulatory exams, internal audits, and issue remediation

Risk Reporting & Governance

  • Develop and maintain credit risk reporting, insights, and dashboards  
  • Escalate material risks, control gaps, or model concerns in a timely manner

Change Management & Innovation

  • Provide oversight of new credit strategies, model deployments, and product launches
  • Ensure appropriate risk assessment and governance for FinTech-driven innovations (e.g., alternative data, AI/ML models)
  • Support ongoing enhancement of credit risk frameworks and controls
Qualifications:

Required Experience

  • 10+ years of experience in credit risk management, underwriting, or portfolio risk within consumer lending
  • Direct experience managing or overseeing first or second line of defense credit risk functions required
  • Experience in 2LOD, model risk, validation, or audit, or strong exposure to independent oversight functions
  • Deep understanding of credit risk models and decision strategies
  • Proven experience analyzing portfolio performance and credit trends

Preferred Experience

  • Experience in a FinTech and/or regulated banking environment  
  • Exposure to digital lending, alternative data, or advanced analytics/ML models

Regulatory Knowledge

  • Strong knowledge of consumer lending regulations, including:
    • ECOA / Regulation B (fair lending)
    • FCRA
    • UDAAP
  • Experience in addressing fair lending and model governance risks preferred
Skills & Competencies
  • Strong risk and control mindset with ability to provide independent, credible challenge
  • Advanced analytical and quantitative skills
  • Ability to connect credit strategy decisions to portfolio outcomes and risk appetite
  • Excellent communication and stakeholder management
  • Ability to operate effectively in a fast-paced, data-driven FinTech environment
  • Willingness to adapt to a fast-paced environment and adjust priorities accordingly
Employee Benefits
Best Egg offers many additional benefits for our employees, including (but not limited to):
·       Pre-tax and post-tax retirement savings plans with a competitive company matching
program
·       Generous paid time-off plans including vacation, personal/sick time, paid short--
term and long-term disability leaves, paid parental leave, and paid company
holidays
·       Multiple health care plans to choose from, including dental and vision options
·       Flexible Spending Plans for Health Care, Dependent Care, and Health
Reimbursement Accounts
·       Company-paid benefits such as life insurance, wellness platforms, employee
assistance programs, and Health Advocate programs
·       Other great discounted benefits include identity theft protection, pet insurance,
fitness center reimbursements, and many more!
 
 
In compliance with the CCPA, Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy  here