osition Type: Full-Time
Work Environment: On-site
Location: Wackerly – Midland, MI 48640, USA
Position: Commercial Lending Director I
Employment Status: Exempt
Reports to: Chief Financial Officer
Position Overview
Are you experience in leadership and commercial lending with a background in portfolio management? Do you have a proven ability to drive sustainable portfolio growth while maintaining strong credit risk management, asset quality, and compliance? Members First Credit Union is seeking a Commercial Lending Director I to build business relationships, developing a healthy loan pipeline, and delivering strategic, solution-oriented results.
We strive to create an atmosphere of belonging with no judgment, just opportunity. We are interconnected to each other, and when we embrace our true authentic selves, we are stronger. We will empower you to be the best version of yourself while helping you to flourish in work and life. Come join us to help create thriving communities!
The primary purpose of this position is to assist Members First Credit Union to deliver on its mission, vision, and brand promise by living out core values in every service contact.
Essential Duties
- Lead and develop the Commercial Lending team to achieve performance goals
- Own performance, growth, and risk profile of the commercial portfolio
- Drive sustainable portfolio growth while maintaining asset quality and compliance
- Develop strong business relationships and a healthy loan pipeline
- Serve as a visible ambassador in business and community markets
- Align lending strategies with credit union strategic plan and risk appetite
- Monitor rates, pricing, and market trends for competitiveness
- Maintain vendor relationships and identify operational efficiencies
- Ensure compliance with federal and state regulations and internal policies
- Travel as needed; in-office role
- Obtain CCUFC certification within first year
Duties and Responsibilities
- Oversee underwriting, approvals, renewals, and credit monitoring
- Ensure completion of reviews, financial analysis, and risk rating updates
- Monitor DSCR, LTV, concentrations, and portfolio trends
- Identify problem loans and implement mitigation strategies
- Prepare and present reports to leadership, committees, and Board
- Expand member base through relationship development and outreach
- Partner with Marketing on promotions and commercial presence
- Ensure cross-sales and strong member relationships
- Oversee workflows, systems, and vendor coordination
- Support audits, exams, and regulatory compliance
- Develop and manage departmental budget
- Lead product development and process improvements
- Provide leadership, coaching, performance management, and succession planning
- Conduct training, onboarding, and development planning
- Maintain ongoing regulatory education and team competency
- Support strategic initiatives and projects
Qualifications and Expectations
- Strong knowledge of commercial lending practices and regulations
- Advanced financial analysis (cash flow, DSCR, LTV, pricing)
- Ability to balance growth with disciplined risk management
- Strong leadership, coaching, and accountability skills
- Excellent communication and relationship-building abilities
- Strategic mindset with strong decision-making capability
- High integrity and commitment to member service
- Maintain knowledge of policies, procedures, and regulations
- Apply financial counseling concepts through FiCEP
Physical Requirements
- Ability to move or transport up to 25 pounds
- Able to remain stationary for 2–4 hours at a time
Work Environment
- Maintain a neat and orderly work area
- Routinely clean and disinfect work areas
- Protect confidentiality of staff and members
Education and Experience
- Bachelor’s degree in Business, Finance, Accounting, or related field (or equivalent experience)
- 8–10 years of commercial lending, credit analysis, and portfolio management experience
- Prior leadership experience managing high-performing teams
- Demonstrated success in relationship-based business development
- Strong project management skills
Qualifications
Education
Required:
- Bachelors or better in Accounting or related field
- Bachelors or better in Business Administration or related field
- Bachelors or better in Finance or related field
Experience
Required:
- Prior leadership experience managing high performing teams
- Experience in commercial lending, credit analysis, and portfolio management
- 8–10 years similar or related experience
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
