Chief Lending Officer (CLO)

Job Details

Job Location: Meridian Administration - MERIDIAN, ID 83642

Position Type: Full Time

Role: The Chief Lending Officer (CLO) serves as a key member of the Executive Leadership Team responsible for establishing and executing CapEd’s enterprise lending strategy across commercial, business, mortgage and consumer lending. The CLO provides strategic leadership for the credit union’s lending portfolio, balancing sustainable growth, profitability, member value, credit quality, regulatory compliance and prudent risk management.

Essential Functions & Responsibilities: Provides strategic direction for the Credit Union’s lending function, including consumer, commercial, business, and residential mortgage lending, ensuring alignment with the organization’s strategic plan, mission, financial objectives, and risk appetite. Develops and executes the organizational lending strategy, identifying opportunities to drive sustainable loan growth, expand market share, deepen member relationships, diversify the portfolio, and generate profitable revenue. Maintains executive accountability for lending financial performance, including portfolio growth, pricing, yield, profitability, asset mix, credit quality, and other key performance indicators. Partners with Finance on forecasting, budgeting, ALM, and overall financial performance. Provides oversight of credit risk and portfolio management, establishing appropriate underwriting standards, credit authorities, concentrations, risk tolerances, and monitoring practices to balance responsible growth with strong asset quality. Leads the development and evolution of lending products, channels, technology, and processes, leveraging data, automation, digital capabilities, and continuous improvement to enhance efficiency, scalability, decision making, and the member experience. Monitors economic, competitive, regulatory, and industry trends and proactively adjusts lending strategies, products, pricing, underwriting, and portfolio approaches in response to emerging opportunities and risks. Ensures lending activities operate in accordance with applicable laws, regulations, policies, fair lending requirements, and regulatory expectations, partnering with Risk, Compliance, Legal, and Internal Audit to maintain effective controls and address identified concerns. Collaborates with the Executive Leadership Team to drive growth, innovation, and operational excellence across all business functions. Provides the CEO, Board of Directors, and applicable committees with clear and forward looking insight into lending strategy, financial and portfolio performance, credit risk, market conditions, emerging risks, and significant opportunities; represents the Credit Union with regulators and external stakeholders as appropriate. Builds, leads, develops, and holds accountable a high-performing lending leadership team, establishing clear expectations, developing talent and succession pipelines, and fostering a culture of collaboration, innovation, sound judgment, member focus, and responsible risk-taking. Oversees hiring, assessing performance, coaching, and developing direct and indirect employees in adherence to PXT policies and employment law. Maintains knowledge of all Credit Union products, services, and promotions. Contributes to efficient Credit Union operations by performing other job-related duties as assigned.

Qualifications

Knowledge and Skills: Experience: Minimum of 10 years of progressively responsible management experience in a financial institution setting. Demonstrated experience overseeing consumer, mortgage, business banking and commercial lending programs. Education: A bachelor's degree. Other Skills: Brand Promise: To make a difference - every member experience matters. Employees of CapEd carry out our promise and values of EP!C by being Empowered - We are knowledgeable and trusted to make decisions. Professional - We are respectful in creating outstanding experiences. Innovative - We seek new ideas for positive change. Collaborative - We connect with each other to implement solutions.

Critical Competencies Building Strategic Working Relationships and Partnerships: Identifying opportunities and taking action to develop strategic and collaborative relationships with other areas, teams, departments, or organizations to help achieve business goals. Change and Action: Encouraging others to seek opportunities to different and innovative approaches for problems and opportunities. Facilitating the implementation and acceptance of change within the workplace while remaining open-minded and accepting other ideas. Decision Making: Identifying and understanding key issues and opportunities; using an effective approach for choosing a course of action or developing appropriate solutions based on data and potential outcome analysis, facts, constraints, and organizational values. Committing to a course of action and then taking action. Leadership and Coaching for Success: Keeping CapEd’s vision and values at the forefront of decision-making and action. Focusing and guiding others in accomplishing work objectives and problem solving. Using appropriate methods and a flexible interpersonal style to help build a cohesive team, facilitating the completion of team goals.

Additional Competencies: We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas. Building Loyalty and Trust: Interacting with others in a way that gives them confidence in one’s intentions and those of the organization. Making the needs of others a priority in order to actively build and develop productive internal and external relationships. Adaptability, Energy, and Stress Tolerance: Taking responsibility to meet member needs and build loyal relationships; Maintaining professional performance and character under pressure, provocation, or ambiguity; Consistently sustaining high levels of activity or productivity with vigor and effectiveness over extended periods of time. Delegating Responsibility and Developing Others: Developing individuals while allocating decision-making authority and/or task responsibility to maximize the organization and individuals’ effectiveness. Managing Conflict: Dealing effectively with others in an antagonistic situation; using appropriate interpersonal styles and methods to reduce tension or conflict between two or more people 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. While performing the duties of this job, the employee is regularly required to sit and/or remain in a stationary position; use hands to finger, handle, operate, input or feel; reach with hands and arms in any direction; talk, communicate, converse, exchange information and hear; balance, kneel, walk and stand, occasionally moving and traversing; and will frequently use a computer and/or phone. There may be repetitive motions, making substantial movements of the wrists, hands, and/or fingers. The employee needs the ability to wear personal protective gear correctly. This is considered sedentary work: exerting up to 10 to 25 pounds of force occasionally and/or a negligible amount of force frequently or consistently to lift, carry, push, pull or otherwise move objects, including the human body. Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The worker is subject to inside environmental conditions: protection from weather conditions but not necessarily from temperature changes and/or seasonal brightness through windows. This position may involve periodic stressful conditions. The Credit Union's business days are Monday through Saturday between the hours of 8:00 a.m. to 6:30 p.m.; however, this position may occasionally require an adjusted work schedule, overtime, and to include evening/weekend hours. The noise level in the work environment is usually moderate.

Disclaimer: This job description does not create a contract of employment and at all times your employment, if any, remains at will. This job description also in no way limits the duties to be performed by the employee, which may be assigned or modified from time to time by CapEd Credit Union. Please know that CapEd Credit Union is an Equal Employment Opportunity Employer and all decisions regarding employment including hiring and promotion are based on the individual meeting the essential functions of the job, with or without reasonable accommodation, and without a direct safety threat or undue hardship. We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas.