VP, Commercial Services

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process. VP, Commercial Services Lending Regular Full-Time Concord, CA, US 3 days ago Requisition ID: 1377 Salary Range: $194,960.00 To $274,162.00 Annually Working for Pacific Service Credit Union We put people first. That includes our members, our employees and the communities we serve. We hire energetic and enthusiastic people who want to work as part of our team. What’s in it for you? Health insurance coverage: We provide our employees with 97% premium employer-paid medical and 100% premium employer-paid dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents. 401k: We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service. Bonus program: All employees are rewarded for attaining our annual organizational goals. Tuition Reimbursement program for employees eligible after six months of service. Recognition program where employees can be nominated by management, their peers or by members. Employee referral bonus. Student Loan Repayment Assistance: Contributions toward your student loans every month by the credit union after six months of service. Employees are eligible to receive a consumer loan rate discount Vacation and sick time: Full-time employees receive more than two weeks’ vacation per year, 11 paid holidays and 10 days of sick leave. Our Hiring Process We believe it’s important for you to know where you stand in our hiring process. Below is an outline of the steps we take to make the best hires possible. Apply: Submit your resume for one of our job openings. Our Talent Team and our partner – Total Quality Consulting (TQC Team) will review your submitted information and will call or email successful applicants for an interview as soon as possible. In-Person Interview: After a screening call with TQC, we’ll invite a final number of candidates to our office for an in-person interview or set up a live Zoom meeting with the hiring manager(s). If we believe that you have what it takes, we'll make an offer and provide next steps in the hiring process! About this Role At Pacific Service Credit Union, we are committed to strategic growth through trust, innovation, and operational excellence. By empowering our internal teams with the tools and support they need to succeed, we strengthen organizational efficiency, ensure compliance, and advance our mission of enhancing member financial well-being. The VP, Commercial Services, is responsible for leading and managing all commercial and business lending operations, including commercial real estate, commercial and industrial lending, commercial loan services such as collections, and business deposit services. This role guides and collaborates with the Chief Lending Officer to create, implement, and drive business lending and deposit programs that support the Credit Union’s strategic goals. The VP, Commercial Services, manages operational efficiency, ensures compliance with regulatory standards, and supports a high-quality member lending experience. This role requires a collaborative leader with solid business acumen, strong communication skills, and a proven ability to drive and deliver meaningful results through effective planning, prioritization and effective execution. The position plays a key role in contributing to organizational growth by advancing key initiatives, driving performance management, exemplifying our core values and implementing strategic initiatives that contribute to organizational goals. Essential Job Functions Assist the Chief Lending Officer in all aspects related to the oversight and efficient operation of the commercial services department, including oversight and operation of the commercial lending and business deposit programs. Participate in developing long-range strategies, as well as managing projects and day-to-day operations of the commercial services department. Lead and direct all commercial loan activities, including origination, processing, underwriting, closing/funding, and servicing. Maintain up-to-date knowledge of changing legislative and regulatory climate, develop and maintain policies and procedures in compliance with current laws and regulations. Assist the Chief Lending Officer with preparing the annual department budget, negotiating and making changes to new and existing contracts. Research and recommend new products and services, process improvements, expense reductions, and income generating ideas to contribute to the overall profitability of the credit union and improve member engagement. Responsible for the development, training, and motivation of department managers and staff; identify opportunities for training and development to increase employee engagement and morale. Responsible for the hiring, counseling, performance evaluation, training, cross training, motivation, and discipline of assigned department personnel. Set, monitor, and achieve commercial loan and deposit production goals in support of the credit union’s goals and revenue objectives. Research and evaluate feasibility of new lending products; develop and implement plans for expansion of lending programs. Keep abreast of innovations in the industry and changing trends in lending and make recommendations to maintain relevancy. Ensure strong internal service and support from assigned teams, work with leaders across the organization to facilitate effective collaboration and resource coordination across teams. Develop and update underwriting criteria consistent with the credit union’s risk tolerance. Monitor compliance with underwriting and effectiveness of established criteria to mitigate losses. Analyze delinquent loans for loan modifications or charge-off recommendations consistent with prudent lending and collections practices, and applicable laws and regulations. Develop and review accurate reporting procedures on commercial lending and collection activities. Prepare and analyze reports for senior management and the board of directors. Ensure that the credit and collection policies and procedures of the credit union best serve the credit union and its members. Collaborate with and support Business Intelligence and Data Analytics initiatives. Support and actively participate in all credit union training sessions and complete required training assignments. Lead, mentor and develop team fostering a culture of high performance, continuous improvement and professional growth in accordance with the credit union's performance management philosophy. Set clear goals and objectives for team members, providing regular feedback and performance evaluations. Actively lead and participate in enterprise-wide initiatives, including product development and enhancement, cost optimization, and process improvement efforts designed to increase efficiency, streamline operations, and ensure organizational relevance. Create, implement and measure the annual commercial services operational plan and budget. Manage contract negotiations and oversight of vendor relationships. Take ownership of responsibilities, sets clear objectives, delivers results, and follows through on commitments. Model integrity and professionalism, reinforcing trust, discipline, and operational excellence within the team. Participate in a variety of strategic committees, including but not limited to, asset liability committee (ALCO), enterprise risk, corporate compliance and disaster recovery/business resumption. Implement, maintain and ensure compliance with a variety of internal policies and procedures. Responsible for regulatory requirements and ensure compliance with applicable state and federal laws pertaining to lending. Comply with all anti-money laundering laws, including the Bank Secrecy Act, OFAC regulations, and the USA PATRIOT Act, as well as all related policies and procedures. Demonstrate dependable performance including attendance and punctuality, recognizing that it is essential to organizational excellence and operational success. Supporting Functions Provide back-up and support to Chief Lending Officer, as directed, including assisting with other lending areas as needed. Performs special projects and other responsibilities, as directed. The following competencies are essential for success in this role: Builds and elevates culture: Cultivates a high-performing, inclusive work environment aligned with organizational values; ensures team members feel heard, empowered, and connected to the mission, fostering engagement and long-term growth. Serve as a role model for professionalism, collaboration and the pursuit of excellence. Shapes vision and strategy: Defines and articulates a compelling vision; translates strategic goals into actionable initiatives that link short-term execution with long-term objectives to drive organizational growth. Growth mindset: Actively identifies opportunities to grow the business and accelerate performance; embraces challenges, quickly masters new concepts and tools, and encourages teams to leverage opportunities for innovation and improvement. Drives innovation and continuous improvement: Champions creativity and calculated risk-taking; creates a safe environment for experimentation, learning from failures, and implementing new approaches that advance organizational growth. Leads change and transformation: Challenges the status quo, encourages constructive questioning of processes and assumptions, and guides teams through transitions with optimism, agility, and focus on strategic outcomes. Develops high-performing teams: Provides targeted coaching, feedback, and development opportunities; invests in building team capabilities, aligning individual growth with organizational objectives, and preparing future leaders. Influences and inspires: Motivates and energizes others by demonstrating the significance of their contributions; persuasively drives decisions and actions, leveraging relationships and social dynamics to achieve strategic goals. Resilient and resourceful: Maintains focus, energy, and determination in the face of challenges; adapts to setbacks, draws on diverse resources, and sustains progress toward high‑impact results while learning and growing continuously. Critical thinking and insight: Analyzes complex situations, identifies risks and opportunities others might overlook, and provides constructive, actionable insights to inform decision‑making. Strategic foresight: Develops forward‑looking plans that anticipate future challenges and opportunities; balances immediate priorities with long‑term vision to position the organization for sustainable growth. Required Minimum Qualifications Education: Bachelor’s degree in business, management, or related field, required. Degree in other disciplines or equivalent experience, may be considered. Experience: Minimum ten (10) years of progressively responsible positions within commercial lending and management, including a minimum of two (2) years of commercial underwriting experience. Demonstrated proficiency in the credit union industry, commercial lending, business banking, and collections rules and regulations required. Demonstrated cross‑functional project management skills with strong ability to effectively build relationships and communicate required. Must be a self-starter who is able to follow projects through to completion with little supervision and meet deadlines in a fast‑paced environment. Experience with a variety of Lending tools, technologies and data analytics required. Multiple years of experience guiding and developing high‑performing, diverse teams required. Excellent project management skills required. Excellent oral and written communication skills required. Must be proficient in computer programs (e.g., Microsoft Office Suite). Preferred Qualifications Knowledge of Symitar Episys software system, preferred. Physical Requirements Hearing: Ability to hear and comprehend spoken communication in person and over the phone. Vision: Ability to view computer screens and read documentation with clarity and accuracy. Verbal Communication: Ability to speak clearly and effectively to interact with colleagues and/or members. Frequent use of telephone headset may be required. Manual Dexterity: Proficient use of hands and fingers for typing, operating office equipment, and handling documents. Posture and Endurance: Ability to sit or stand at a workstation for extended periods; adjustable sit/stand desk options may be available to support comfort. Mobility: Ability to move within the office environment to attend meetings or assist colleagues, as needed. Lifting and Carrying: Occasionally required to lift and carry materials weighing up to 30 lbs. Other Information Hours Required: A work schedule of Monday through Friday, generally 8 a.m. to 5 p.m., with some alternate work schedules. This position is eligible for the credit union's telecommute policy. Travel Requirements: 10-20% Travel Moderate travel (approximately 10-20%) within Northern California required to support business operations and organizational initiatives. Work Environment: This position is based on climate-controlled office environment with ergonomic workstations in a two-story building with and elevator. Subject to the standard background noise found in an office environment. Natural light from large windows, supplemented by artificial lighting to ensure a comfortable working atmosphere. Disclaimer This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice. #J-18808-Ljbffr Pacific Service