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James Hartranft is an experienced lending professional currently serving as the Lending Manager at Pacific Service Credit Union since September 2023. Previously, James held several key positions at PenFed Credit Union, including Senior Indirect Manager of Credit & Processing, where responsibilities included overseeing substantial monthly indirect deal quality, developing credit programs, and enhancing internal processes to significantly improve operational efficiency. With prior experience as a Consumer Lending Manager at Patelco Credit Union and an Assistant Vice President at Mariner Finance, James has consistently demonstrated strong leadership and a results-oriented approach, achieving industry recognition and managing significant auto loan portfolios. James’s early career includes military service as a Team Leader in the U.S. Army, coupled with formal education that culminated in a Bachelor of Business Administration from Kutztown University of Pennsylvania.