Consumer Lending Underwriting & Credit Supervisor

At VyStar, we offer competitive pay, an excellent benefit package, and opportunities for all full and part-time employees. Part-time positions start at a minimum of 30 hours per week.

About the Role

The Consumer Lending Underwriting & Credit Supervisor provides operational management and mentoring to our consumer credit underwriters. This role leverages extensive underwriting experience and strong analytical judgment to ensure the credit portfolio aligns with the organization’s established risk tolerances while delivering a seamless member experience across digital, mobile, branch, and call center channels. The supervisor ensures quality loan decisions that maximize loan growth, net interest income, member growth, portfolio performance, and market share.

The incumbent oversees a consumer lending portfolio of $2+ billion, ensuring credit losses and delinquency ratios remain within defined thresholds. This role manages a minimum of nine loan officers and fosters a positive work environment that encourages innovation and process improvements.

Responsibilities

• Oversee Lending Services teams to meet or exceed annual operating plans and goals for loan volume, portfolio growth, net interest income, membership growth, delinquency, and loan loss ratios.
• Monitor loan portfolio activity to ensure proper credit quality, profitability, and adherence to risk tolerances.
• Implement and monitor quality control measures to mitigate credit risk.
• Conduct trend analysis of monthly lending and collection reports to adjust underwriting practices as needed.
• Supervise day-to-day operations of the Lending Services underwriting business unit, including staffing levels and models.
• Drive departmental results using VyStar’s annual business plan.
• Prepare and track information for monthly reports.
• Maintain extensive knowledge of lending regulatory requirements, including compliance with the Military Lending Act (MLA).
• Write, revise, and review lending policies, procedures, and team desktop procedures to ensure regulatory compliance.
• Analyze the impact of regulatory changes and recommend updates to lending and core systems.
• Use Verint scheduling software to create and monitor schedules for adequate coverage during extended hours.
• Serve as System Administrator for CMS (Call Management System) to monitor call volumes and service levels.
• Conduct employee performance reviews, loan reviews, side-by-sides, and provide ongoing coaching and feedback.
• Administer disciplinary action plans, up to and including termination, for underwriters failing to meet performance standards.
• Develop, coach, and train credit underwriters through loan authority progression steps (Underwriter I, Underwriter II, Senior Credit Underwriter).
• Facilitate periodic roundtable training for underwriters and quality assurance loan analysts.
• Train underwriters on Loan Deferment Team policies, procedures, and compliance platforms.
• Serve as backup for the indirect business unit and resolve member/dealer issues.
• Handle confidential material ethically and make judgment calls within policy limits.
• Identify and recommend process improvements for efficiency and quality service delivery.
• Collaborate with the Consumer Lending Credit and Product Innovation Manager to create new loan products and matrices.
• Participate in loan origination and core system testing for regulatory changes and enhancements.
• Complete a minimum of 40 hours of ongoing lending training annually.
• Process and decision employee consumer loans and workout loans.
• Assist underwriters with complex loan decisions, including luxury item underwriting and large-dollar consolidation loans.
• Resolve escalated issues from branch/call center managers, supervisors, and members.
• Ensure deferment team solutions are in the best interest of both the credit union and members while remaining FASB compliant.
• Increase the loan portfolio within lower credit tiers while maintaining fiscal soundness.
• Evaluate members’ loan product needs based on their financial situation.
• Collaborate with HR to create training for loan originators, including compliance and regulatory considerations.
• Proactively identify, assess, manage, and report risks within the domain of work.

Requirements

• Bachelor’s degree in business or a related field (required).
• Minimum of five years of loan origination experience and five years of lending authority in a financial institution (required). An additional five years of lending experience may substitute for the bachelor’s degree.
• Experience leading a team and managing to achieve business plan results.
• Extensive knowledge of Microsoft Word, Excel, PowerPoint, CMS Supervisor, Verint, Meridian Link, Atlas, Report Portal, and Evolve (preferred).
• Strong written and oral communication skills, detail-oriented, and good organizational abilities.
• Ability to multitask and prioritize work in a fast-paced environment.
• Professional conduct, appearance, and self-motivation.

Benefits

• Competitive pay.
• 401(k) Plan.
• Extensive paid technical and on-the-job training program.
• Tuition reimbursement for all full and part-time employees.

Schedule

Part-time positions start at a minimum of 30 hours per week.