Leads the strategic direction, growth, and performance of the Business Lending and Services portfolio. Accountable for P&L performance, market expansion, program & product management, member experience, operations, and the broader business member product and portfolio strategy. Drives sustainable growth through integrated client strategies and relationships, strong risk management, and operational excellence. Builds high-performing teams and partners across the enterprise to deliver holistic financial solutions and achieve corporate objectives. Ensure Business Lending and Services strategies and activities align with the corporate objectives as well as the Lending department and organizations' mission, vision and values.
Responsibilities- Define and execute short- and long-term strategic vision and goals for Lending’s Business Lending division, aligning segment strategies to enterprise growth objectives, member needs, and market opportunities
- Accountable for strategic direction, leadership, portfolio performance, including revenue growth, profitability, credit quality, portfolio mix, member experience, risk governance, and operational effectiveness of the business lending and services portfolio
- Lead business development strategies through market expansion and member acquisition strategies, relationship-based sales, pipeline discipline; identify new growth opportunities based on market trends, economic conditions, and competitive intelligence
- Lead enterprise product and portfolio management, including go-to-market product strategy, lifecycle management, roadmap development, market positioning, member adoption, pricing discipline, product launch strategy, portfolio performance, and ongoing optimization
- Build and maintain executive-level relationships with key clients, business leaders, and community stakeholders to advance business member value and long-term organizational performance
- Oversee portfolio health and credit quality, ensuring adherence to risk frameworks, regulatory requirements, including underwriting standards, pricing discipline, portfolio monitoring practices, and sound credit governance
- Ensure Business Banking and Lending strategies, activities, products, and operations comply with applicable federal and state laws, rules, regulations, internal policies and governance standards
- Define and deliver performance and effectiveness, establish relevant financial, product, portfolio, member, operational, sales, and risk metrics, determine gaps and opportunities for optimizing capabilities
- Lead, coach, and develop teams of relationship managers and sales leaders; establishes performance expectations, sales discipline, and pipeline management rigor
- Drive cross-sell and relationship deepening strategies through collaboration with Treasury Management, Retail, Wealth, US Small Business Administration (SBA) and other partners
- Ensure operational excellence through technology enhancements, consistent execution of processes, controls, and compliance standards, documentation, issue management, and continuous process improvement
- Champion technology-enabled transformation across the business lending and services portfolio, including digital capabilities, data and analytics, automation, artificial intelligence, workflow modernization, member self-service, process redesign, and scalable operating models
- Foster a high-performance culture focused on accountability, talent development, succession planning, and employee engagement
- Serve as a key advisor to executive leadership, providing insights on portfolio performance, market opportunities, product strategy, go-to-market execution, risk trends, and transformation initiatives
- Perform other duties as assigned
- Master’s degree in finance, Business Administration, Accounting, Economics, or related field, or the equivalent combination of education, training, and experience
- Minimum of 12 years of progressive executive leadership experience in commercial and/or small business banking, commercial credit, business services, business development, or related financial services operations, preferably within a large, complex financial institution
- Extensive experience in commercial and business banking, including products, credit structuring, underwriting standards, SBA lending, operational controls, risk governance and portfolio growth and management
- Extensive experience in product and portfolio management, including strategy development, lifecycle and roadmap management, business case creation, performance monitoring, market assessment, pricing strategy, client adoption, go-to-market strategies, and cross-functional execution
- Extensive experience in portfolio strategy, growth planning, performance monitoring, risk assessment, profitability analysis, product optimization, credit quality management, and disciplined management of business, financial, member, operational, and risk outcomes
- Advanced knowledge of operational excellence, process modernization, technology-enabled transformation, data analytics, artificial intelligence, automation, and emerging financial services capabilities
- Demonstrated success in relationship-based sales, client or member engagement, market development, and pipeline management
- Advanced knowledge of applicable federal and state laws, rules, regulations, and supervisory expectations governing business lending, SBA lending, participation lending, product management, risk management, and financial institution operations
- Extensive experience in large-scale business strategy setting and transformation, including leading multi-year initiatives, process improvement, digital enablement, product modernization, and go-to-market execution with a track record of delivering measurable business, financial, operational, member, product, and risk outcomes
- Advanced knowledge of operational excellence, process modernization, technology-enabled transformation, data analytics, artificial intelligence, automation, digital member experience, and emerging financial services capabilities
- Demonstrated ability to operate as an enterprise executive, including influencing senior leaders, aligning diverse stakeholders, making complex tradeoff decisions, and representing the organization with credibility and authority
- Significant experience driving organizational change, shaping culture, advancing employee engagement, and building leadership capacity across large teams
- Expert verbal, written, interpersonal, presentation, executive and frontline communication, and board-level briefing skills
- Expert ability to adapt to changing conditions, acquire and apply new information, anticipate future implications, and guide teams through complexity
- Expert analytical, quantitative, financial, deductive reasoning, strategic problem-solving, and decision-making skills
Desired Qualifications
- Advanced knowledge of Navy Federal products, services, programs, policies, procedures, governance practices, and enterprise strategic priorities
Additional Information
Hours:
- Monday - Friday, 8:00AM - 4:30PM Hybrid
Locations:
- 820 Follin Lane, Vienna, VA 22180
- 5510 Heritage Oaks Dr. Pensacola, FL 32526
- 141 Security Drive, Winchester, VA 22602
Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.
Our approach to careers is simple yet powerful: Make our mission your passion.
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From Fortune. ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.
Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.
Accommodations: If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at [email protected] or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.
Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.
Protect Yourself from Job Scams: Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process.
Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.
Skills Required
- Master's degree in Finance, Business Administration, Accounting, Economics, or related field, or equivalent combination of education and experience
- Minimum of 12 years of progressive executive leadership experience in commercial and/or small business banking, commercial credit, business services, business development, or related financial services operations
- Extensive experience in commercial and business banking, including products, credit structuring, underwriting standards, SBA lending, operational controls, risk governance and portfolio growth and management
- Extensive experience in product and portfolio management, including strategy development, lifecycle and roadmap management, business case creation, performance monitoring, market assessment, pricing strategy, client adoption, and go-to-market strategies
- Extensive experience in portfolio strategy, growth planning, performance monitoring, risk assessment, profitability analysis, product optimization, and credit quality management
- Advanced knowledge of operational excellence, process modernization, technology-enabled transformation, data analytics, artificial intelligence, automation, and emerging financial services capabilities
- Demonstrated success in relationship-based sales, client or member engagement, market development, and pipeline management
- Advanced knowledge of applicable federal and state laws, rules, regulations, and supervisory expectations governing business lending, SBA lending, participation lending, product management, risk management, and financial institution operations
- Extensive experience leading large-scale business strategy and transformation initiatives, including multi-year initiatives, process improvement, digital enablement, product modernization, and go-to-market execution
- Ability to operate as an enterprise executive: influence senior leaders, align stakeholders, make complex tradeoffs, and represent the organization with credibility
- Significant experience driving organizational change, shaping culture, advancing employee engagement, and building leadership capacity across large teams
- Expert verbal, written, interpersonal, presentation, executive and frontline communication, and board-level briefing skills
- Expert analytical, quantitative, financial, deductive reasoning, strategic problem-solving, and decision-making skills
- Advanced knowledge of Navy Federal products, services, programs, policies, procedures, governance practices, and enterprise strategic priorities
Navy Federal Credit Union Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Navy Federal Credit Union and has not been reviewed or approved by Navy Federal Credit Union.
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Retirement Support — A pension alongside a strong 401(k) match and additional retirement programs makes long‑term value a standout element of the total package. This combination is positioned as a differentiator among private employers.
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Healthcare Strength — Comprehensive medical, dental, and vision coverage is complemented by on‑site health services at major campuses. Wellness resources and typical offerings like an EAP broaden the health support available.
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Parental & Family Support — Paid parental leave, plus adoption and surrogacy assistance, indicate meaningful support for growing families. Education assistance further extends family and life‑stage support.
Navy Federal Credit Union Insights
What We Do
Navy Federal Credit Union is the world's largest credit union with over 12 million members, over $160 billion in assets and over 22,000 employees. As a credit union, we have members, not customers. At our campuses in Vienna, VA, Pensacola, FL and Winchester, VA, and in our more than 350 branches, we serve the men and women of the Armed Forces, Department of Defense, veterans and their families. We deliver world-class service, rooted in the belief that it is an honor and privilege to serve our members. We are committed to providing our members outstanding financial products and services. Navy Federal offers a career, not just a job. We are proud of the robust Total Rewards package we offer to our employees, including competitive salaries, incentive programs, comprehensive medical, dental and vision benefits, retirement plans with employer match, award-winning training programs, professional development programs, tuition assistance, paid leave, and work/life programs. Federally insured by NCUA. Equal opportunity employer. Android™ is a trademark of Google, Inc. iPhone® is a registered trademark of Apple, Inc. iPad® is a registered trademark of Apple, Inc. App Store(SM) is a service mark of Apple, Inc. Message and data rates may apply. FORTUNE and 100 Best Companies to Work For are registered trademarks of Time Inc., and are used under license. FORTUNE and Time Inc., are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union. For more info, visit navyfederal.org
