Job Description
TITLE: SENIOR VICE PRESIDENT (SVP) – CHIEF CREDIT OFFICER STATUS: EXEMPT REPORT TO: SEVP – CHIEF ADMINISTRATIVE OFFICER DEPARTMENT: ADMINISTRATION JOB CODE: 11996 PAY RANGE: $319,200.00 - $390,000.00 ANNUALLY POSITION AND PURPOSE The Senior Vice President (SVP) is a key member of the executive leadership team, responsible for driving strategic initiatives, overseeing major business functions, and ensuring alignment with the organization’s overall mission and goals. The SVP provides visionary leadership, operational oversight, and cross-functional collaboration to deliver sustainable growth and organizational excellence. The Senior Vice President – Chief Credit Officer leads Golden 1’s credit risk strategy, overseeing loan policies, underwriting, and portfolio quality to ensure compliance and minimize losses, requiring strong financial analysis, leadership, and regulatory knowledge to guide executive decisions, and manage the credit team. This role also oversees the development, execution, and continuous improvement of lending strategies to ensure the delivery of exceptional member experience, strong financial results, and sound asset quality. The SVP will develop credit risk frameworks, oversee loan approvals, and act as the ultimate authority on the bank's lending integrity and compliance with regulations. The SVP – Chief Credit Officer provides strategic oversight of all lending origination functions—including lending origination operations for consumer, mortgage, and business as well as credit administration. This position also ensures all credit policies, practices, and performance standards align with organizational goals, regulatory requirements, and risk appetite. As a key member of the executive leadership team, this role drives innovation, operational excellence, and disciplined credit risk management to support sustainable profitability, competitive positioning, and long‑term organizational success. This role is responsible for shaping and executing Golden 1’s credit vision, ensuring the safety, soundness, and growth of the loan portfolio while delivering an exceptional member experience. Who 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 visionary and strategic leader with a proven track record of driving transformation and delivering results at scale. You thrive in complex, fast-paced environments and bring clarity, focus, and inspiration to cross-functional teams. With a strong executive presence and exceptional communication skills, you influence at all levels and build trusted relationships with stakeholders, partners, and teams. You lead with integrity, empathy, and accountability—empowering others to succeed while holding high standards for performance and collaboration to drive results. You are data-driven, customer-focused, and relentlessly curious, always seeking innovative ways to create value and advance the organization’s mission. THE WORK Provide executive leadership for all commercial, mortgage, and consumer lending origination business units, ensuring they meet or exceed member service expectations, service level agreements, credit quality and other key performance indicators to ensure Golden 1 meets or exceeds its Strategic Goals. Develop, implement, and enforce loan policies, underwriting standards, and risk tolerance in alignment with business goals and regulations. Oversee the entire credit risk management process, including portfolio monitoring, loan review, and impairment analysis. Manage the overall quality, approval, documentation, and administration of the loan portfolio to ensure safety and soundness. Oversee the evaluation, design, and enhancement of lending products, delivery channels, member experience, and operational functions including lending underwriting, fulfillment to ensure the delivery of high-quality lending experiences to our members. Creates and implements short-term and long-term strategies to drive loan portfolio performance and profitability loan pricing, fee income, and loans sales. Ensure lending and other relevant policies and procedures are developed, documented, updated, and followed, meeting all necessary legal requirements, regulatory guidelines, Credit Risk Appetite Requirements, And Other Governance Policies. Maintain a thorough understanding of state and