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Lending Director Jobs (NOW HIRING)

Workway, Inc.

Lending Assistant

Dallas, TX · On-site

$52K - $70K/yr

Currently, we have a Lending Assistant opportunity with a Texas Regional Bank. This role serves as ... Whether you are interested in a direct hire, temp-to-hire, or temporary position, Workway can help ...

Summit Federal Credit Union

$120 - $135/hr

Position Summary The Director of Real Estate Services is responsible for the overall success of First Mortgage and Home Equity Lending at the credit union, including the administration, coordination ...

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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

AVP of Lending

Mass Bay Credit Union

South Boston, MA • On-site

$73K - $85K/yr

Full-time

Re-posted 3 days ago

Job description

About Us
Celebrating over 85 years in business, Mass Bay Credit Union has over $300M in assets, continues to grow, and is proud to be 19,000 members strong! We've recently expanded our field of membership which allows us to serve members in a much broader group of communities. In addition, as a member of the shared branching network, we provide our members with nation-wide service at thousands of credit union locations throughout the country.
Interested in bringing your financial skills to a growth credit union where your input is valued? Then we would very much like to chat with you! Send us your resume in complete confidence.
Mass Bay Credit Union is proud to be an Equal Opportunity Employer.
JOB TITLE : Assistant Vice President of Lending
REPORTS TO : Chief Lending Officer
STATUS : Full time; exempt
Job Purpose
Under the direction of the Chief Lending Officer, this position is responsible for the day to day activities of the Consumer Loan/Home Equity Department. The AVP monitors and analyzes economic conditions affecting the Credit Union's lending department and recommends appropriate action. They also ensure policies and procedures regarding state and federal laws and regulations are being adhered to.
Duties and Responsibilities
  • Ensure that loan policies, procedures, services, and products meet federal and state regulations and compliance, as well as investor requirements.
  • Develop, implement, and maintain consumer lending/Home Equity policies and procedures to maximize efficiency and quality of work, and to provide consistent quality service to members.
  • Underwrite Consumer loans as well as Home Equity Loans and Home Equity Lines of Credit Loans.
  • Develop, analyze and complete monthly loan reports and review loan approvals for soundness of decisions.
  • Update Loans PQ as needed in Beta, Demo and Live. Update internal users and roles as needed. Do weekly and monthly reports as needed.
  • Maintain knowledge of competitor's rates, terms, etc. and other trends relating to consumer lending and provide input and recommendations for lending interest rates.
  • Evaluate lending processes, workflows, and technologies to identify opportunities for increased efficiencies and improved member experience.
  • Define appropriate limits of authority for lending personnel and ensure adequate understanding of the Credit Union's loan procedures and policies.
  • Ensure member complaints as are resolved and take appropriate action as necessary.
  • Review the audits of loan files, working with appropriate staff, to ensure quality assurance and that lending procedures are followed.
  • Overall responsibility for hiring, mentoring, performance evaluations, scheduling, training and succession planning for the department.
  • Responsible for making or approving decisions for Department employees regarding employment, performance ratings, promotions, salary recommendations, transfers and terminations.
  • Responsible for ensuring the department is adequately staffed with properly trained personnel.
  • Lead by example, demonstrating integrity, sound judgement, and commitment to the credit union's values.
  • Establish and maintain effective employee relations.
  • Establish clear performance expectations and measurable goals that align with the credit union's strategic goals.
  • Monitor lending production, pipeline manage, and portfolio performance to ensure achievement of credit union goals.
  • Support the development of and execution of lending strategies that promote sustainable loan growth while partnering with senior leadership to identify new lending opportunities and market trends that support credit union growth.
  • Develop new product offerings to meet the needs of the membership.
  • Build on current business relationships within our Union partnerships in order to gain maximum market penetration.
  • Responsible for the administration of anti-money laundering duties and the Bank Secrecy Act laws.
  • Participate in audits, examinations, and regulatory reviews as required.
  • Assumes other duties, responsibilities, special assignments and training as necessary or directed.
  • Manages relationships with outside vendors.
  • Represent the lending department in meetings, committees, and projects in the Chief Lending Officers absence.

Qualifications
  • A minimum of 10 years combined managerial and home equity/consumer lending experience.
  • Strong experience in loan operations, lending laws, and loan underwriting.
  • Through knowledge of lending compliance.
  • Strong Communication, both oral and written skills.
  • Ability to become a Mortgage Loan Originator with the Nationwide Mortgage Licensing System & Registry (NMLS).
  • Strong management skills to mentor staff and interact with employees at all levels of the organization.
  • Computer skills mandatory.

Working Conditions
This position requires a flexible schedule with limited evening and weekend duties, traveling in Credit Union's service area, attending events and working at times with challenging members.
Physical Requirements
While performing the essential duties of the position, the employee would be regularly required to stand, sit, walk, stoop, kneel, talk, and hear. Vision requirements include close vision and the ability to focus. The nature of this position requires physical mobility and the ability to occasionally lift and/or move a maximum of 25 pounds.
Direct Reports
The AVP will supervise an Underwriter, the Consumer Loan Supervisor, four Consumer Loan Processors, and two Home Equity processors.

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