Why work in Mendocino County
Step back in time thousands of years by exploring our ancient redwood groves. Taste the wonders of alchemy in our myriad distilleries, wineries, and breweries. Let the everyday world fall behind as you make your way through mist-shrouded hills and valleys. The magic is real, and we invite you to discover it in every corner of this place we call home.
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Why work for Coyote Valley Casino Resort
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Competitive Wages
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Premium Health, Dental and Vision Insurance
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Employer Matching 401k up to 3%
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Industry Leading PTO Accruals
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Rolling Holiday Option
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AD&D
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Basic Life w/ buy-up Option
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Critical Illness Coverage
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Daily Employee Meal Discounts
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Bereavement & Personal Leave
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Air-Med Emergency Medical Air Transport
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Generous Cell Phone Stipend for Qualifying Positions
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Plus much more
Position Summary
The Director of Lending Operations provides executive leadership over the organization’s financial technology operations, with primary responsibility for directing, managing, and overseeing the lending program, including online and technology-enabled lending activities. This position is accountable for implementing, administering, and overseeing lending operations to ensure full compliance with all applicable federal, state, tribal, and regulatory requirements, including consumer protection laws, fair lending standards, and data privacy regulations.
The Director of Lending Operations is responsible for strategic planning, business development, financial and operational management, risk management, ensuring enterprise-wide regulatory compliance, reporting, and oversight of third-party vendors and service providers. The role also supports long-term organizational growth by ensuring sound lending practices, strong internal controls, robust compliance infrastructure, and scalable systems that support both traditional and online lending platforms.
Responsibilities
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Develop, implement, and oversee a profitable, compliant, and sustainable lending program, including online and technology-enabled lending products.
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Provide strategic leadership for lending operations, including product development, portfolio growth, underwriting standards, servicing, collections, and loss mitigation.
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Establish, implement, and maintain a comprehensive internal control and compliance framework to promote operational efficiency, ensure adherence to all regulatory requirements, and mitigate financial, operational, compliance, and reputational risks.
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Oversee credit policy development, underwriting guidelines, pricing strategies, and risk tolerance levels to support sound lending decisions.
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Advise the Board of Directors on strategic, financial, operational, and regulatory matters related to lending and organizational performance.
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Provide regular reporting to the Board on financial condition, loan portfolio performance, delinquency trends, charge-offs, profitability, and key risk indicators.
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Review and manage due diligence for existing and proposed third-party vendors, including loan origination systems (LOS), servicing platforms, payment processors, data providers, and compliance vendors.
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Monitor third-party vendor performance to ensure compliance with contractual obligations, service level agreements, data security requirements, and regulatory standards.
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Ensure strict compliance with all applicable consumer lending laws and regulations, including but not limited to TILA, ECOA, UDAAP, fair lending, privacy, data security, AML/BSA, KYC, and financial technology-related regulatory requirements.
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Maintain active communication and coordination with regulatory and governmental agencies as required.
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Develop, maintain, and oversee policies and procedures governing lending operations, online lending activities, regulatory compliance, risk management, and internal controls to ensure alignment with evolving federal, state, and tribal regulatory standards.
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Prepare, maintain, and safeguard corporate records, including financial, operational, compliance, and regulatory documentation.
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Create and maintain a regulatory compliance calendar, including all required filings, licenses, renewals, examinations, and audits.
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Analyze operational workflows and lending processes and implement improvements to enhance efficiency, accuracy, scalability, and customer experience.
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Engage with community partners, stakeholders, and business leaders to support economic development and responsible lending initiatives.
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Contribute to long-range strategic planning, establish annual business objectives, manage budgets, and direct operational planning activities.
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Stay current on short- and long-term economic trends, lending market conditions, and emerging developments in financial technology and online lending.
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Demonstrate leadership by modeling professional conduct and upholding the organization’s values, vision, and operating principles, and positively represent Coyote Valley on and off the job.
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Foster and maintain a professional, respectful, and inclusive work environment.
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Hire, train, supervise, evaluate, and develop staff in accordance with organizational policies and performance standards.
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Maintain strict confidentiality during and after employment.
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Travel as necessary to meet Tribal and program goals.
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Perform other duties as assigned.
Minimum Qualifications / Education
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Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a closely related field with a minimum of five (5) years of progressively responsible experience in financial management, lending operations, or regulated financial services, including supervisory or management experience; or
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Associate’s Degree in Finance, Accounting, Business Administration, Economics, or a closely related field with a minimum of eight (8) years of progressively responsible experience in financial management, lending operations, or regulated financial services, including supervisory or management experience
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Demonstrated experience managing lending programs, credit operations, or loan portfolios, including underwriting, servicing, collections, and risk management.
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Thorough working knowledge of applicable federal, state, tribal (preferred), and regulatory requirements governing consumer lending and financial services, including fair lending laws, consumer protection statutes, and data privacy regulations.
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Experience overseeing or working with third-party vendors, service providers, or financial technology platforms.
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Proven ability to prepare and present financial, operational, and compliance reports to executive leadership and Boards of Directors.
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Strong understanding of internal controls, compliance management systems, regulatory examination processes, and operational risk mitigation.
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Ability to manage budgets, financial forecasting, and performance reporting in a regulated environment.
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Experience working in a start-up, growth-oriented, or entrepreneurial organization is highly desirable.
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Proficient computer skills, including Microsoft Office and financial, accounting, database, and lending management systems.
Preferred Qualifications
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Master’s degree in Finance, Business Administration (MBA), Accounting, or a related field.
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Experience with online lending platforms, loan origination systems (LOS), servicing systems, or financial technology solutions.
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Background in economic development lending, community lending, or mission-driven financial institutions (e.g., tribal lending entities, CDFIs).
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Professional certifications such as CPA, CFA, CFE, or equivalent financial or compliance credentials.
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Experience working with tribal governments, tribal enterprises, or other sovereign entities.
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A strategic thinker with management experience and a proven track record of developing, implementing, and assessing programs, projects, and events.
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Direct experience with regulatory compliance programs, including developing compliance management systems, managing regulatory examinations or audits, and implementing corrective action plans.
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Demonstrated knowledge of TILA, ECOA, UDAAP, AML/BSA, state licensing requirements, and other consumer lending regulations, with the ability to translate regulatory requirements into operational policies and procedures.
Physical Requirements
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This position is primarily performed in an office or professional work environment.
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Requires the ability to sit for extended periods of time while working at a computer, reviewing documents, and participating in meetings.
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Requires frequent use of hands and fingers to operate computers, keyboards, phones, and other standard office equipment.
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Must be able to communicate effectively, both verbally and in writing, including the ability to exchange accurate information in meetings, presentations, and telephone or virtual communications.
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Requires the ability to see, read, and interpret written documents, financial reports, policies, and electronic displays.
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May occasionally require standing, walking, bending, or reaching.
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May occasionally require lifting or carrying materials such as files, documents, or office supplies weighing up to approximately 25 pounds.
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Occasional travel may be required for meetings, training, conferences, community engagement, or regulatory matters.
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Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.
Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The noise level in the work environment is usually low to moderate. Must be able to work in an intense environment where a high degree of concentration is necessary to perform the required job duties.
Other Requirements
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Pre-Employment Screening
Employment is contingent upon the successful completion of all required pre-employment screenings, including drug testing and a background investigation. -
Indian Preference and Equal Employment Opportunity
In accordance with the Indian Preference Act (25 U.S.C. §§ 472 and 473) and the Indian Self-Determination and Education Assistance Act (Public Law 93-638), preference in hiring and promotion shall be given to qualified members of the Coyote Valley Band of Pomo Indians and other qualified Native American applicants.Coyote Valley Tribal Operations is an equal opportunity employer and is committed to providing equal employment opportunities without discrimination based on race, color, religion, sex, national origin, political affiliation, marital status, physical or mental disability, age, or sexual orientation, consistent with applicable law. All statements contained herein are intended to describe the general nature and level of work being performed and are subject to change at the discretion of the Tribe. Nothing contained herein creates a contract of employment, either express or implied. Employment with Coyote Valley Tribal Operations is at-will. -
Cultural Sensitivity
The employee must demonstrate sensitivity to and respect for the needs of the Indian community, including its culture, traditions, and values.
