Home Loan Operations - VP - Home Loans and Indirect Lending

Job Title: VP - Home Loans and Indirect LendingStatus: ExemptReports to: SVP - Consumer LendingDepartment: Home Loan OperationsJob Code: 11474Pay Range: $239,136.00 - $265,000.00 AnnuallyWHO WE ARE:Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.WHO YOU ARE:You are a strategic, member‑centric lending leader who drives growth, innovation, and operational excellence across home loans and indirect lending. You excel at transforming complex lending operations into scalable, digitally enabled experiences that improve speed‑to‑decision, portfolio performance, and member and partner satisfaction. With deep expertise in mortgage and indirect lending, regulatory compliance, product strategy, and risk management, you balance innovation with disciplined execution in a highly regulated environment. You are a collaborative, data‑driven leader who builds high‑performing teams, strengthens dealer and partner relationships, and aligns lending strategies with Golden 1’s mission—delivering long‑term financial strength, integrity, and meaningful value to members and communities.WHAT YOU'LL DO: Strategic Leadership & Transformation * Define and execute the strategic vision for home loans and indirect lending, including digital transformation, automation, and process modernization. Lead cross-functional initiatives to streamline loan origination, underwriting, product development, , enhancing speed-to-decision and member satisfaction. Champion innovation in lending products and delivery channels to meet evolving member needs and market dynamics. Home Lending Excellence * Oversee the home lending operations, product management, and regulatory compliance; collaborate on pricing strategy and go-to-market activities. Drive adoption of digital mortgage platforms and self-service tools to improve accessibility and reduce friction in the home loan process. Indirect Lending Optimization * Strengthen dealer partnerships and indirect lending channels through improved funding processes, competitive products and programs, and ongoing relationship management. Implement data-driven underwriting and risk management practices to ensure portfolio quality and profitability. Operational Oversight & Compliance * Ensure adherence to all applicable federal and state regulations, including RESPA, TILA, ECOA, and indirect lending compliance standards. Lead and develop high-performing teams, including Home Loans Operations and Indirect Lending leadership, fostering a culture of accountability, innovation, and continuous improvement. Financial & Member Impact * Deliver measurable improvements in loan growth, net interest margin, and operational efficiency. Align lending strategies with Golden 1’s mission to serve members with integrity, transparency, and financial empowerment. Product/Program Strategy and Roadmap * Develop and refine product/program strategies to meet the needs of our members and the financial objectives of the credit union. Incorporate market research, member/consumer insights and industry trends into identifying new opportunities for growth and differentiation. Customer Insights and Market Analysis * Evaluate member and consumer needs, competitive landscape, macro-economic environment, and emerging trends in financial services to inform decision making. Translate these insights into actionable product requirements, feature/functionality enhancements, pricing changes or decisioning strategy optimization. Cross-Functional Collaboration * Work closely with cross-functional teams to gather requirements, define product specifications, and prioritize feature/functionality development. Foster strong relationships with internal stakeholders and external partners to ensure successful execution of product initiatives. Performance Monitorin * Establish key performance indicators (KPIs) and metrics to evaluate the performance and success of products managed. Continuously monitor and analyze product performance, customer feedback, and market trends to identify areas for improvement and drive product enhancements. Leadership * Hire/Manage team to develop best-in-class financial services product management capabilities. Provide guidance, mentorship, and leadership to a team of product managers and associates, fostering a collaborative, engaging, and innovative work environment. Promote continual learning, professional growth, and development within the team. Represent credit union in contacts with business and trade associations, members, and regulatory agencies. Attend civil functions and otherwise promote the credit union’s image. Travel as required QUALIFICIATIONS AND PREFERENCES: Bachelor’s Degree in related field plus equivalent work experience required Master’s Degree advanced degree preferred Fifteen years of professional experience with ten years or more of product and/or operational management experience, with a focus on strategic and transformational execution within financial services organizations required WHY JOIN US:Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.Please view the full job description detailing the complete list of duties and expectations for this role by clicking or copying this URL into your browser: https://golden1.jdxpert.com/ShowJob.aspx?EntityID=2&id=2207DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS:The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor. #LI-Hybrid