Redwood Credit Union is seeking a Vice President of Consumer Lending who will be responsible for driving a strategic plan and directing all consumer lending activities for Redwood Credit Union (“RCU”). This role is responsible for the full consumer credit portfolio (auto, personal, credit card and indirect lending) across the credit union, driving growth through digital first experiences, modernizing lending through technology, and deepening Member relationships through data-driven personalization. Emphasis is placed on providing excellent Member experiences, significantly growing the business (while minimizing loan-loss exposure), recruiting, developing, and retaining superior team members, and managing sound, compliant lending operations.

Key Responsibilities

Executive Leadership:

o Review and identify cost-effective utilization of all resources. Lead and direct the management of human capital to ensure the availability of skills and abilities needed to meet RCU’s vision, mission, values, and service doctrine.
o Serve as a member of the Leadership team, providing leadership and direction for RCU.
o Communicate with senior management regarding all aspects of consumer lending and consumer lending operations, procedures, policies, and strategies.
o Recognize problems, issues, and opportunities; evaluate and consider alternatives; develop, present, and recommend strategic and tactical opportunities; and make appropriate decisions.
o Attend and actively participate in Leadership team meetings, staff meetings, strategic and operational planning sessions, etc.
o Act or appoint appropriate loan operations team members as liaison to audit and compliance officers for audit and compliance concerns to ensure adherence.
o Serve on and/or direct a number of committees to strive for consensus to ensure effective interface and communication of policies, programs, and goals among lending services, other departments, and branches.
o Manage the overall development of lending through business-development programs, motivate staff to sell and market RCU, and partner with marketing and analytics to take an active role meeting Members’ needs.
o Partner with IT/data teams to build and enhance lending automation, AI-driven tools, real time decisioning, and predictive analytics to improve the lending lifecycle.
o On behalf of RCU, “own” the end-to-end borrower experience including the relationships with key assigned vendor partners such as SavvyMoney, MeridianLink and CU Direct.
o Evaluate and implement vendor partnerships to drive growth, improve speed, delivery and Member Experience.
o Participate in and represent RCU at internal and external events, conferences, and community functions. Additionally, provide leadership and participation in industry trade groups, advisory boards, etc.

Program Management:

o Recruit, select, train, motivate, coach, mentor, and evaluate reporting staff.
o Lead and direct all consumer loan activities: origination, processing, underwriting, and the closing/funding of all consumer loans and credit cards.
o Design and execute lending strategies that increase Member engagement and product adoption.
o Partner with Marketing and branch teams on referral programs, relationship-based pricing and Member engagement initiatives.
o Hands-on experience or strong working knowledge of AI/Machine Learning applications used in lending as well as a deep understanding of pre-approval execution.
o Develop and implement loan pricing (via ALCO) and portfolio management strategies that will meet or exceed return on asset targets while meeting loan growth goals.
o Evaluate lending products, policies, procedures, practices, documents, and forms to assure efficiency, compliance, and Member service.
o Provide exceptional service to all external and internal Members and clients.
o Continually assess the competitiveness of all programs and practices against the relevant comparable companies, industries, and markets; balance the needs of RCU and the needs of Members.
o Establish and maintain credibility throughout RCU by being an effective listener and problem solver for team members on all lending related issues.
o Collaborate with VP Payments to ensure a robust credit card offering with programs that put our card “top of wallet” such as line increases, rewards, and balance transfers to continue to strategically grow our card portfolio.

Controlling:

o Lead the consumer lending team to properly review, approve, decline, and counter all loans within policy and lending limits, conduct quarterly portfolio review, and make credit recommendations based on performance.
o Delegate appropriate lending authorities to lending personnel, e.g., lending limits and annual review of Lending Policy with the Board.
o Monitor portfolio performance, delinquency trends, and early warning indicators; recommend adjustments to strategy proactively.
o Establish and monitor reporting systems designed to keep the Senior Leadership Team (SLT) and Board of Directors informed of all relevant activities and issues, including timely preparation of monthly status reports.
o Evaluate staffing and production to ensure efficient use of resources.
o Monitor and review the department budgets and goals.

Planning:

o As a member of the Leadership team, help formulate plans and policies affecting the overall performance of RCU.
o Lead and develop the annual business and budgeting process for consumer lending to ensure alignment with the long-term goals and objectives of RCU.
o Partner with VP/Lending Systems to lead and direct our ancillary products and vendors that bring alternatives and value to our Members such as ZEST, Lenders Protection, etc.
o Develop all consumer lending-related promotional programs in partnership with the Marketing team.
o Cultivate and execute a plan to create sales growth opportunities with the Consumer Lending team by establishing direct relationships with branches, dealers, vendors, and community partnerships to deepen penetration with Members.

Other Functions:

o Volunteer time and capital in community non-profit groups.
o Provide general training to RCU team members outside of our lending teams.
o Establish and maintain relationships with key contacts in the community including volunteer centers and non-profit organizations; participate in community events.

Join us and discover why you'll love working at Redwood Credit Union!

ABOUT REDWOOD CREDIT UNION (RCU):

At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad.

As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all.

Why work for Redwood Credit Union?

•21st largest credit union in the U.S. and the largest financial institution based in the North Bay

•Recognized by Newsweek as one of "America's Best Credit Unions 2026"

•Awarded a 5-Star Bauer Rating

• Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2026"

•Top Corporate Philanthropists (#24) - San Francisco Business Times

•Voted Best Places to Work in the North Bay 21 years in a row

•World-class Employee Engagement scores

•Rated Superior in Service by more than 90% of Members, surveyed by SF Gate

•Industry leading Net Promoter Scores across the U.S.

Minimum Qualification: Knowledge, Skills and Abilities

Ability to manage and develop multiple diverse sales and operational units with the inherent conflicts from demands and priorities.
Thorough knowledge of all aspects of financial institution consumer lending methods, practices, and services; knowledge of consumer lending best practices.
Thorough knowledge of modern management techniques and practices.
Current knowledge of all laws, rules and regulations pertaining to consumer lending and consumer loan documentation.
Technology fluency and comfortability in driving change management with an appetite for applying AI/emerging tech in to lending processes.
Knowledge of credit and interest rate economics.
Knowledge of assets, liabilities, and credit dynamics in a lending environment.
Strong negotiation, persuasion, and public speaking skills.
Strong analytical skills with the ability to analyze problems and opportunities, identify and evaluate alternatives, and develop sound, effective approaches.
Ability to plan, implement, and evaluate the achievement of strategic and business plan goals, objectives, and work plans.
Ability to lead, motivate, and supervise team members.
Ability to communicate effectively, both verbally and in writing.
Ability to establish and maintain effective working relationships with a diverse group of people including Board Members, regulators, team members, attorneys, vendors, partners, and other parties.
Ability to travel 20% of time.

The ideal candidate has a combination of education and experience equivalent to a bachelor's degree in business administration, finance, or closely related field, with a minimum of ten years’ experience with lending in a financial institution, and a minimum of three years of progressive leadership experience.

Compensation: Base starting range: $179,248 to $210,873 annually commensurate with experience.

Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Redwood Credit Union offers a robust benefits package to our eligible employees including:

• Competitive medical, dental, and vision insurance, mental health offerings

• Employee performance incentive plan

• Salary Advancement– Merit increase based on performance

• 401(k) program with employer match

• Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

RCU Discounts and Perks:

• RCU employees are eligible for a .75% discount off RCU standard collateral auto loans

• RCU employees are eligible for a 1% discount on all recreational or boat loan products

• 2% discount off Visas and LOC Loans through RCU

• 0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.

• 0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.

• 0% interest on garment, fitness, or home office equipment loan of up to $500

• 100% financing for employee purchased homes!

Physical Requirements:

• Ability to stand, bend, stoop, sit, walk, twist, and turn.

• Ability to lift up to 25 pounds.

• Ability to use a computer keyboard and calculator.

• Work environment is indoors; majority of the time is spent sitting at a desk.

*Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position.

Internal Team Members: If you are a current Team Member, please apply through the internal careers page located in RCUNET.

We are an Equal Opportunity Employer

About the company

Redwood Credit Union is a member-owned financial cooperative serving Northern California. It offers checking, savings, CDs, IRAs, auto and home loans, insurance, investment services, and online/mobile banking for individuals and businesses. Members deposit funds, earn interest, borrow with competitive rates, and manage accounts via digital channels, with tools like budgeting resources. The credit union differentiates itself by focusing on member financial wellness, community programs, and accessible banking, aiming to help members save, protect against risk, and build financial stability while supporting local communities.

Company Size

201-500

Company Stage

N/A

Total Funding

N/A

Headquarters

Santa Rosa, California

Founded

1950

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Simplify's Take

What believers are saying

August 2026 added Jen Brooks Harris, Divine David, and Keith Hildesheim.
April 2026 Ukiah relocation added drive-up ATMs and upgraded consult spaces.
September 2026 philanthropy ranking cited $5.18 million giving and 312 partners.

What critics are saying

RCU's North Bay concentration ties growth to Sonoma, Marin, Napa, and San Francisco.
Open roles for Automation Analyst II and Digital Experience Manager expose software debt.
A major fraud or cyber breach would hammer trust and force costly member retention.

What makes Redwood Credit Union unique

RCU serves 540,000 members across 22 North Bay and San Francisco branches.
Brett Martinez has led RCU since 2004, giving strategy unusual continuity.
RCU drove 91% electronic transactions in 2025, proving sticky digital habits.

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Benefits

Health Insurance
Dental Insurance
Vision Insurance
Mental Health Support
401(k) Retirement Plan
401(k) Company Match
Paid Vacation
Paid Holidays

Company News

San Francisco Bicycle Coalition

Sep 18th, 2026

We gave away over 100 bikes at the BMAGIC Backpack Giveaway in Bayview-Hunters Point.

Sfbike gave away over 100 bikes at the BMAGIC Backpack Giveaway in Bayview-Hunters Point. By Qamuuqin Maxwell on September 18, 2026 On a cloudy Saturday in August, its Bike it Forward program held its biggest bike distribution of the year at the annual BMAGIC Back to School Celebration and Backpack Giveaway. With the help of 40 volunteers, Sfbike gave away a grand total of 106 bikes, each with a set of lights, locks, and helmets to youth of all ages - sparking a lifetime of bike joy and instilling an early habit of active transportation. The event itself was amazing, with dozens of kids trying out their new wheels immediately after receiving them. Sfbike is grateful for the partnership of BMAGIC, who hosted the backpack giveaway, as well as YBike and its Safe Routes to School program, who led the drop-in Learn to Ride class at the event. With the help of its partners, kids and families left the distribution excited and confident riding around on their new bikes. Sfbike is already seeing the impact of this event. After her child received a bike at BMAGIC, Zengxian wrote to Sfbike, "my daughter loves the bicycle and often rides it in the evenings. It has brought us so much joy and created many happy moments for our family." Sfbike is thrilled to have offered families a new way to connect with each other and their neighbors, and the fun that comes with riding a bike. For Sfbike at SFBike, the BMAGIC bike giveaway was the culmination of months of staff preparation, as well as months of volunteer efforts at its weekly Community Repair Nights. Sfbike is grateful for generous grants from New Belgium Brewing and Redwood Credit Union. San Francisco Bicycle Coalition members John and Leslie Woodward offered their major gift as a challenge to its wider community to contribute. With their support and the support of its members and donors, Sfbike met its fundraising match goal of $10,000 and raised a total of $24,518 to support its work to create equitable access to biking for families throughout its city. These funds help Sfbike not only at its annual BMAGIC bike giveaway, but also power its Bike It Forward program throughout the year. Since the BMAGIC bike giveaway, Bike It Forward has been busy! Sfbike provided bikes and a group ride experience for 14 children in foster care in partnership with SFCASA, Sfbike gave away an additional 14 bikes at a Transit Fair in partnership with PODER, and will be distributing bikes and teaching residents how to ride at two events with Mercy Housing in China Basin and at St. Anthony's Giving Thanks event on the Golden Gate Greenway. Its members make this work to expand access to bikes possible. And Sfbike'd love your help to keep biking it forward - please consider donating today to help power its work to get more kids on bikes!

Yahoo Finance

Sep 2nd, 2026

Redwood Credit Union ranks among top 25 Bay Area companies for Corporate Philanthropy.

Redwood Credit Union ranks among top 25 Bay Area companies for Corporate Philanthropy. Business Wire In 2025, RCU provided $5.18 million in community giving and supported 312 community partners across San Francisco and the North Bay SAN FRANCISCO, September 02, 2026-(BUSINESS WIRE)-Redwood Credit Union ranked 22nd among the 88 companies and organizations recognized in the San Francisco Business Times Corporate Philanthropy Awards, following a year in which RCU provided $5.18 million in total community giving and supported 312 community partners across San Francisco and the North Bay. The recognition places RCU alongside major Bay Area employers and global brands known for community investment. As the highest-ranking financial institution headquartered in the North Bay, RCU has now earned a place on the list for two consecutive years. Among the organizations RCU supports is San Francisco-based Compass Family Services, which helps families experiencing homelessness achieve housing stability and economic self-sufficiency. "Redwood Credit Union's generous support has a meaningful impact on Compass Family Services and the families we serve," said Erica Kisch, CEO of Compass Family Services. "Their partnership helps us provide families experiencing homelessness with the comprehensive support they need to find stable housing, strengthen their financial security, and build a more secure future for their children." RCU's community support includes financial contributions, volunteer service, and partnerships with nonprofit organizations across the Bay Area. In 2025, RCU team members spent more than 5,100 hours volunteering for nonprofit and community organizations. "We're honored to be recognized among the Bay Area's leading corporate philanthropists, alongside some of the region's most prestigious companies," said Brett Martinez, President and CEO of Redwood Credit Union. "Supporting our communities is at the heart of our mission, and we're proud to partner with organizations that are making a real difference in people's lives." Kisch noted that RCU's support extends beyond financial contributions. "Their team consistently shows up with their time, energy, and care," she said. "They are a true partner in our work, and we're grateful for their investment in families and our community." The annual San Francisco Business Times Corporate Philanthropy Awards recognize organizations that demonstrate exceptional commitment to charitable giving and community impact, with rankings based on cash contributions to Bay Area charities. RCU's 2025 Community and Social Impact Report provides additional information about its community giving, volunteer service and nonprofit partnerships. Visit redwoodcu.org/about/community-programs to read the full report.

Credit Unions

Aug 13th, 2026

Redwood Credit Union appoints Jen Brooks Harris, Divine David, and Keith Hildesheim to senior leadership roles.

Redwood Credit Union appoints Jen Brooks Harris, Divine David, and Keith Hildesheim to senior leadership roles. * August 13, 2026 Redwood Credit Union (RCU), which offers full-service personal and business banking throughout the North Bay and San Francisco, has announced the promotion of Jen Brooks Harris and Divine David and the hiring of Keith Hildesheim to senior leadership roles. Thank you for using the Press Center on CreditUnions.com! Please be aware that although CreditUnions.com has approved the content you are about to view, the document was uploaded by a third party. Therefore, CreditUnions.com does not claim responsibility for the source of this document. Jason Haley Savana Morie Andrew Lepczyk

The Credit Union Connection LLC

Jul 24th, 2026

Redwood CU announces promotions; Origence announces new associate Board members.

Redwood CU announces promotions; Origence announces new associate Board members. Redwood Credit Union announced two promotions within its organization, and Origence announced the appointment of three new associate board members to its Board of Directors. New hires: * Reliant Credit Union is pleased to announce the hiring of Marlin Mei as Developer. Mr. Mei most recently served as Software Engineer III at Tracelink, Inc. In his new role at the credit union, Mr. Mei is responsible for providing technical direction and support in the development and maintenance of business software and related procedures. * The League of Credit Unions is pleased to welcome Brian Harris to the team as Senior Director of Governmental Affairs for Georgia, bringing more than a decade of experience in government affairs, legislative affairs, and political campaigns to the organization. Recognitions: * Corporate Central is proud to announce that Hunter Cliffgard, Investment Analyst, has successfully passed Level I of the Chartered Financial Analyst (CFA) Program, an internationally recognized credential that represents one of the most rigorous and respected standards in the investment management profession. Promotions: * Redwood Credit Union (RCU) has announced the promotions of Gladys Milligan and Azalia Basurto to advance its purpose of elevating the financial well-being of its members and deepening its commitment to the communities it serves. Gladys Milligan has been promoted to regional vice president, Member Experience. In her new role, Milligan will provide strategic leadership and support to branches in the counties of Napa, Marin, and San Francisco, ensuring exceptional member and team member experiences while supporting Redwood Credit Union's strategic priorities. Azalia Basurto has been promoted to branch experience manager. In her new role, Basurto will focus on strengthening community partnerships and expanding access to financial education programs such as Bite of Reality and others to those living throughout Lake County, helping individuals and families build confidence and improve their financial well-being. Appointments: * Origence announced the appointment of three new associate members to its Board of Directors. The new associate Board members are: * Bill Brown, president and CEO of Citadel Credit Union. Brown brings more than 25 years of financial services leadership, holding executive roles at global banks, regional financial institutions, and community-focused organizations. His expertise spans retail and digital banking, business and wealth management, consumer lending, and operational risk. * Chad Shane, president and CEO of Canvas Credit Union. Shane brings more than two decades of experience in credit union lending and leadership. He previously served as chief lending officer at Canvas, where he led lending strategy and operations, and has held progressive leadership roles across the organization. * Geoff Lundfelt, president and CEO of Global Credit Union. Lundfelt brings more than 28 years of credit union leadership experience. Under his leadership, Global Credit Union has grown significantly in scale and reach while maintaining a strong focus on member service and operational performance. * Royal Credit Union (Royal) is proud to announce Senior Vice President of Payments and Digital Services, Jeni Brantner, has been appointed to serve as a Public Member of the State of Wisconsin's 2026 Joint Legislative Council Study Committee on Cryptocurrency. Brantner will help evaluate cryptocurrency-related technologies, review regulatory considerations, and make recommendations to support responsible development. The committee's work will help inform discussions around digital assets, blockchain technology, consumer protection, and innovation in Wisconsin's financial services landscape.

Sonoma Valley Chamber of Commerce

Jul 22nd, 2026

Redwood Credit Union promotes Gladys Milligan, Azalia Basurto to elevate member experience, community partnerships.

Redwood Credit Union promotes Gladys Milligan, Azalia Basurto to elevate member experience, community partnerships. NAPA, Calif., July 22, 2026 - Redwood Credit Union (RCU), which offers full-service personal and business banking throughout the North Bay and San Francisco, has announced the promotions of Gladys Milligan and Azalia Basurto to advance its purpose of elevating the financial well-being of its members and deepening its commitment to the communities it serves. Gladys Milligan has been promoted to regional vice president, Member Experience. In her new role, Milligan will provide strategic leadership and support to branches in the counties of Napa, Marin, and San Francisco, ensuring exceptional member and team member experiences while supporting Redwood Credit Union's strategic priorities. Milligan joined Redwood Credit Union in 2019 and previously served as branch experience manager in American Canyon. In her new role, she will focus on strengthening community relationships, driving membership and deposit growth, and bolstering member engagement. She will lead teams in connecting members with solutions that support their financial well-being, such as down payment assistance, coaching and other developmental opportunities, while supporting operational excellence across the organization. "Gladys has earned the trust and respect of her colleagues, members, and community through her commitment to service and operational excellence," said Mishel Kaufman, RCU Chief Operating and Risk Officer. "Her leadership, dedication, and ability to build strong relationships make her an excellent fit for this role, and we look forward to her continued success." Prior to joining RCU, Milligan worked with WaMu/Chase, Travis Credit Union, and First Northern Bank. She holds a Bachelor of Science degree in Business Administration with a concentration in Strategic Management from Sacramento State University. Milligan serves as chief financial officer for the American Canyon Chamber of Commerce and treasurer for the American Canyon Community and Parks Foundation. She is also actively involved in financial education initiatives, working with American Canyon High School and Up Valley Family Centers to bring financial literacy resources to local communities. Azalia Basurto has been promoted to branch experience manager. In her new role, Basurto will focus on strengthening community partnerships and expanding access to financial education programs such as Bite of Reality and others to those living throughout Lake County, helping individuals and families build confidence and improve their financial well-being. Basurto began her career with Redwood Credit Union in 2006 as a part-time teller in Rohnert Park. Throughout her 20-year career with RCU, she has held several positions, including senior member relationship specialist, training specialist in the Educational Development Department, and branch service manager. She also helps lead RCU's DEI committee. In 2019, she relocated to Lake County, where she helped establish and grow RCU's presence in the community as the branch service manager of RCU's Lower Lake branch. "Throughout her 20 years with Redwood Credit Union, Azalia has demonstrated a deep commitment to our members and communities," said Mishel Kaufman, RCU Chief Operating and Risk Officer. "Her passion for financial education and community outreach has made a meaningful impact on Lake County, and we are excited to see her expand that work in her new role." Basurto holds an associate degree in Behavioral Science, a bachelor's degree in Sociology, and certifications as a Certified Credit Union Financial Coach and Certified Sales and Service Facilitator. She is passionate about bringing practical, inclusive, and accessible financial education to schools, local organizations, and community groups throughout Lake County. About Redwood Credit Union Founded in 1950, Redwood Credit Union is a full-service, not-for-profit financial institution providing personal and business banking to consumers and businesses in the North Bay and San Francisco. With a mission to passionately serve the best interests of its members, team members, and communities, RCU delivers many ways for its members to save and build money through checking and savings accounts, auto and home loans, credit cards, digital banking, business services, commercial and SBA lending, and more. Wealth management and investment services are available through Redwood Wealth Management, and insurance and auto-purchasing services are also offered through RCU Services Group (RCU's wholly owned subsidiary). RCU ended June at $10.7 billion in assets and $13.2 billion in assets under management and serves more than 538,000 members with full-service branches in San Francisco and across the North Bay. For more information, call 1 (800) 479-7928, visit redwoodcu.org, or follow RCU on Facebook, Instagram, X, and LinkedIn for news and updates.

Redwood Credit Union

Vice President of Consumer Lending

About the job