Job Details

Are you an experienced credit leader with deep expertise in credit administration functions with a focus on ensuring sound credit procedures, regulatory compliance and oversight of Association loan portfolio?

Do you thrive in environments where precision, quality, and continuous improvement are key?

If you are a strategic thinker with a strong background in credit, then you may be the perfect candidate for our VP of Credit Administration position! We are looking for a detail-oriented individual with a passion for ensuring excellence and compliance to support our Chief Credit Officer in leading and evolving our credit administration function.

Our team at Golden State Farm Credit is united in our efforts to support rural communities and the agricultural industry. We offer a distinct work environment that fosters collaboration amongst teams, promotes a customer-centric approach to service, rewards those who take initiative, and provides a variety of projects to create an engaging work culture. We value teamwork, continuous learning, and the positive impact that our dedicated employees make.

Intrigued? Want to know more?

Apply at or review the full job description below.

DEADLINE TO APPLY: September 5th, 2025 at 4pm

Salary Range:
Grade 19: $133,083-$210,518

Full-Time
Exempt

This position is located in our Chico office and requires full-time, in-person work.

Position Summary

The VP of Credit Administration is responsible for sound credit procedures and credit decisions through evaluation of financial information, monitoring of loans with substandard credit and loan covenants. Reporting to the Chief Credit Officer, this position oversees the credit administration function and serves as a member of Association Loan Committees.

Essential Functions

• Loan Committee Participation (25%)
  • Reviews, approves, modifies, or denies credit actions on large and complex credit requests andcriticized loans as part of the Association Loan Committee
  • Ensures the loan structure and conditions are consistent with Association standards andrequirements
  • Serves as a voting member of the Association's Loan Committee
• Credit Administration (25%)
  • Serves as subject matter expert, leading development of credit and underwriting policies,procedures, and processes.
  • Monitors Association compliance with credit related regulatory requirements by participating inthe loan committee and approval process; regularly monitors FCA regulations to maintaincompliance.
  • Updates and maintains the Association's credit administration manuals.
  • Determines when added risk is levied in certain industries and helps the Association assess whatsteps to take to help mitigate risk.
  • Provides guidance to staff and assists in developing loan servicing plans for at risk credit.
  • Creates a corrective action plan to remediate findings related to credit actions.
• Association Portfolio Management (20%)
  • Completes post close reviews on loan modifications and insider loans.
  • Coordinates with team leaders to provide training on errors found during reviews and developingcorrective action plans.
  • Develops Board and Management reports as needed.
  • Liaison for external and internal credit reviews and examinations with responsibility for remediationof findings in conjunction with Chief Credit Officer.
• Association Leadership (20%)
  • Develops and delivers credit training to appropriate staff.
  • Ensures staff are up to date with credit philosophies, procedures, and policies by providingguidance and direction.
  • Assesses credit processes and recommends improvements.
  • Ensures standardization between branch credit staff.
  • Promotes and influences Association's collaborative culture.
• Relationships (10%)
  • Develops and maintains positive relationships with lending team and capital markets teams.
  • Works to assess and improve the relationship between the field and the credit function toenhance the customer experience when obtaining a loan or loan servicing action.
  • Develops a network of both external and internal relationships which enhances the Association'simage as well as creates avenues for learning and personal development.
  • Establishes and grows relationships with personnel throughout the Association.
  • Develops and maintains positive relationships with lending and capital markets teams.
• Data Security and Confidentiality
  • Appropriately protects the confidentiality, security, and integrity of the Association's systems and data and clients' data.
• Commitment and Support of Association Mission
  • Understands, applies, and supports the Association mission and vision statement in a positive, professional manner at work and with customers in all settings.

Knowledge & Skills

• Expert knowledge in business development, credit extension, credit administration, and portfoliomanagement procedures
• Expert knowledge in credit analysis and regulatory requirements with respect to borrower's rights
• Expert knowledge in credit risk classifications
• Expert knowledge in legal documentation
• Expert knowledge of loan documentation
• Working knowledge of Association policies and procedures
• Skill in differentiating significant and insignificant details
• Skill in analyzing complex technical data by using logic and quantitative reasoning
• Working knowledge of accounting, finance, and agricultural finance
• Ability to communicate complicated information, delivering bad news, and negotiatingcomplex agreements effectively to achieve the best outcome for the Association
• Skill in serving and working effectively with both external and internal customers in aprofessional, respectful manner
• Skill in utilizing time in an efficient and effective manner
• Ability to identify and organize resources in a systematic way to prioritize fluctuating workloads,optimize efficiency, and ensure achievement of Association goals
• Skill in utilizing various software applications to increase efficiency and/or effectiveness
• Oral and written communication skills sufficient to discuss a variety of job-related topics, and toeffectively communicate complex topics to a variety of audiences

Qualifications

• Education

  Bachelor's Degree in Ag Business, Business, Finance, Accounting, or a related field. Master's Degree in Accounting, Agriculture, or Business is preferred.

  
  

• Experience

  10 years of experience in credit training, administration, lending, finance, or other related field.

  
  

• Or an equivalent combination of education and experience sufficient to perform the essential functions of the job.

Physical Demands

Positions in this class typically require: typing, talking, hearing, seeing, and repetitive motions. May need to move materials weighing up to 10 pounds. May need to carry, push, pull or otherwise move objects while completing essential functions. This position is comprised of sedentary work which involves sitting at a computer a majority of the workday; may need to move throughout the building occasionally. The employee is required to have close visual acuity to perform activities such as: preparing and analyzing data and figures,viewing a computer screen, and/or reading extensively.

Working Conditions

Employees work in an office environment with moderate noise levels, controlled temperature conditions, andno direct exposure to hazardous physical substances. Employees may interact with upset staff and/or publicand private representatives in interpreting and enforcing departmental policies and procedures. This positionrequires approximately 10% travel time with occasional overnight travel.

The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time as needed. Golden State Farm Credit is an Equal Opportunity Employer and provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to: race (including traits historically associated with race, such as hair texture and protective hairstyles), relation (all aspects of religious belief, observances and practices including religious dress and grooming practices), color, national origin, ancestry, identity, gender expression, actual orperceived sexual orientation, marital status, military and veteran status, civil air patrol status, age, physical or mental disability, genetic information or medical condition, except where physical fitness is a valid occupational qualification or any other consideration made unlawful by federal, status or local laws. Applicable law also prohibits unlawful discrimination based on the perception that anyone has any of the foregoing characteristics. "National origin" also includes discrimination against an individual because of their primary language or because that person holds or presents the California driver's license issued to those who cannot document their lawful presence in the United States, as well as discrimination based upon any of the following: an indivudual's or the indivudual's ancestors' acutal or perceived physical, cultural, or linguistic characteristics associated with a national origin group; marriage to or association with individual's of a national origin group; tribal affiliation; membership in or association with an organization identified with or seeking to promote the interests of a national origina group; attendance or participation in schools, churches, temples, mosques or other eligious institutions generally used by persons of a national origin group; or a name that is associated with a national origin group An applicant's or employee's immigration status will not be considered for any Association employment purpose except as necessary to comply with federal, status or local laws. California law also prohibits discrimination against individuals providing services in the workplace pursuant to a contract, unpaid interns and volunteers on the basis of actual or perceived race, color, creed, religion, sex, physical or mental disability, genetic information or age. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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