Business Lending - 1st VP, Commercial Lending
Mission Fed Credit Union, San Diego, CA, United States
First Vice President, Commercial Lending
At Mission Fed, we believe business lending is about more than balance sheetsit's about building strong communities, trusted partnerships, and sustainable growth. We're looking for a seasoned, relationship-driven leader to step into a pivotal executive role as our First Vice President, Commercial Lending. This is a great opportunity to shape the future of business lending at a mission-driven financial institutionwhile leading a high-performing team, expanding a robust commercial loan portfolio, and cultivating strategic credit union partnerships nationwide. Here are a few more details: Lead and grow Mission Fed's commercial and business lending portfolio, driving loan, deposit, and account growth while maintaining strong pricing spreads and asset quality. Provide executive leadership to a team of commercial lenders, credit leaders, processors, and servicersfostering a culture of accountability, collaboration, and professional development. Oversee credit quality, portfolio performance, and risk management, including delinquency oversight, loss mitigation, and REO disposition. Develop, implement, and continuously improve underwriting, servicing, and monitoring policies and procedures in alignment with regulatory expectations and market conditions. Serve as a key driver of loan participation strategy, building and managing relationships with other credit unions to buy and sell participations. Lead due diligence, negotiation, structuring, and ongoing monitoring of loan participations in compliance with NCUA regulations. Partner cross-functionally with Legal, Compliance, Finance, IT, and senior leadership to ensure operational excellence and regulatory readiness. Represent the Business Lending department with regulators, auditors, vendors, credit union partners, and the Board, delivering clear insights and strategic recommendations. Champion system optimization and integrations across commercial lending platforms to enhance efficiency and scalability. What We're Looking For Bachelor's degree or equivalent experience (two years of experience may substitute for one year of education). 10+ years of business lending experience, including commercial real estate. 5+ years of management experience in a related lending environment. Proven success managing loan participation programs, complex portfolios, and regulatory compliance. Strong background in credit analysis, underwriting, and relationship profitability. Key Competencies Executive-level leadership, coaching, and team development skills. Advanced knowledge of commercial lending regulations (NCUA, SBA, RESPA, TILA, Dodd-Frank). Strategic thinker with strong analytical, negotiation, and risk-assessment capabilities. Exceptional communication skills with the ability to influence at all levels. Relationship-builder with strong networking presence in the credit union and financial services community. Ability to balance growth, compliance, and member experience with confidence and integrity. What We Offer: The opportunity to work with a great team! You can't beat a role in sunny San Diego! 18 days of annual PTO, plus 12 holidays 6% 401(k) match Full benefits package including medical, dental, vision, life insurance, and so much more On-site gym If this sounds like an amazing opportunity to you (because ya, it is!), we want to hear from you! Base Pay/Salary: $175,000 - $210,000 per year* *Actual base pay within this range will be determined by several components, including but not limited to, relevant experience, internal equity, skills, qualifications, and other job-related factors permitted by law.
At Mission Fed, we believe business lending is about more than balance sheetsit's about building strong communities, trusted partnerships, and sustainable growth. We're looking for a seasoned, relationship-driven leader to step into a pivotal executive role as our First Vice President, Commercial Lending. This is a great opportunity to shape the future of business lending at a mission-driven financial institutionwhile leading a high-performing team, expanding a robust commercial loan portfolio, and cultivating strategic credit union partnerships nationwide. Here are a few more details: Lead and grow Mission Fed's commercial and business lending portfolio, driving loan, deposit, and account growth while maintaining strong pricing spreads and asset quality. Provide executive leadership to a team of commercial lenders, credit leaders, processors, and servicersfostering a culture of accountability, collaboration, and professional development. Oversee credit quality, portfolio performance, and risk management, including delinquency oversight, loss mitigation, and REO disposition. Develop, implement, and continuously improve underwriting, servicing, and monitoring policies and procedures in alignment with regulatory expectations and market conditions. Serve as a key driver of loan participation strategy, building and managing relationships with other credit unions to buy and sell participations. Lead due diligence, negotiation, structuring, and ongoing monitoring of loan participations in compliance with NCUA regulations. Partner cross-functionally with Legal, Compliance, Finance, IT, and senior leadership to ensure operational excellence and regulatory readiness. Represent the Business Lending department with regulators, auditors, vendors, credit union partners, and the Board, delivering clear insights and strategic recommendations. Champion system optimization and integrations across commercial lending platforms to enhance efficiency and scalability. What We're Looking For Bachelor's degree or equivalent experience (two years of experience may substitute for one year of education). 10+ years of business lending experience, including commercial real estate. 5+ years of management experience in a related lending environment. Proven success managing loan participation programs, complex portfolios, and regulatory compliance. Strong background in credit analysis, underwriting, and relationship profitability. Key Competencies Executive-level leadership, coaching, and team development skills. Advanced knowledge of commercial lending regulations (NCUA, SBA, RESPA, TILA, Dodd-Frank). Strategic thinker with strong analytical, negotiation, and risk-assessment capabilities. Exceptional communication skills with the ability to influence at all levels. Relationship-builder with strong networking presence in the credit union and financial services community. Ability to balance growth, compliance, and member experience with confidence and integrity. What We Offer: The opportunity to work with a great team! You can't beat a role in sunny San Diego! 18 days of annual PTO, plus 12 holidays 6% 401(k) match Full benefits package including medical, dental, vision, life insurance, and so much more On-site gym If this sounds like an amazing opportunity to you (because ya, it is!), we want to hear from you! Base Pay/Salary: $175,000 - $210,000 per year* *Actual base pay within this range will be determined by several components, including but not limited to, relevant experience, internal equity, skills, qualifications, and other job-related factors permitted by law.