Vice President, Consumer Lending

Are We the Place for You?
Coastal Credit Union ($5.5B, Raleigh, NC) is seeking its next Vice President, Consumer Lending. Founded in August 1967 by eight IBM employees to serve their colleagues, Coastal has grown to serve employees of over 1,800 businesses and associations and over 300,000 members with 23 branches throughout central North Carolina.

At Coastal, members "Bank Better to Live Better." This commitment shows in our Member Giveback program, our community engagement, and in the innovative products and services we offer designed to improve members’ lives. We aren’t just a Better Place to Bank, though. We are also a Better Place to Work, recognized as among the best in North Carolina by Business North Carolina and various regional magazines. Our 600+ employees enjoy competitive salaries, robust benefits package, and generous PTO in a workplace committed to creating belonging.

Coastal lives our values through community impact and a focus on financial well-being, affordable housing, and improving access to resources in North Carolina, providing every team member rich volunteer opportunities and the chance to make a difference in our community and our members’ lives.

Is This the Career for You?
Coastal’s Vice President of Consumer Lending will set and execute the strategic vision for Coastal’s Consumer Lending, Indirect Lending, and Home Equity portfolios. Leading the development and continuous improvement of lending products and services that are competitive and compliant, the VP-Consumer Lending will balance Coastal’s risk appetite, growth objectives and member-first values to achieve the ambitious goal of doubling the size of the portfolio. This role includes overseeing portfolio performance, fostering innovation in lending practices, and ensuring operational excellence across all consumer lending channels.

Data-driven and analytical—while also deeply committed to serving members from diverse backgrounds—the VP-Consumer Lending will conduct comprehensive analysis of market trends and competitive dynamics, identifying and leveraging growth opportunities in new markets, through innovative product offerings, and by targeting specific member segments. The VP-Consumer Lending will collaborate effectively with internal and external stakeholders, reporting to the Chief Lending Officer and overseeing a team of 5 direct reports. Effective communication with external partners (loan origination systems, indirect lending networks, credit bureaus), and other departments (Marketing, Risk, Finance, IT, Compliance, and Retail) is critical for aligning lending strategies with organizational goals and executing across the organization. Knowledge of regulatory compliance and policy issues will lead to a healthy portfolio and effective communication with examiners and auditors.

Success will be measured through internal metrics (loan growth, delinquency, and closing time/rate) as well as member metrics like improved credit scores, financial well-being, and member satisfaction.