Manager of Loan Underwriting

Duties and Responsibilities

• Review credit applications for various types of consumer loans, including Home Equity Products, and analyze applicable information (credit reports, collateral valuation, legal documents, etc.) to render credit decisions in accordance with lending policies.
• Use discretion and independent judgment for credit decisions not conforming to lending policies and consult with the Chief Lending Officer or AVP of Consumer Lending.
• Consistently demonstrate leadership in lending operations, member service, pipeline management, and sales.
• Proactively seek cross-selling opportunities for each credit applicant. Identify and assist in the development of new loan products.
• Establish clear expectations for productivity, quality, member service, and turnaround times.
• Identify performance gaps and implement coaching, training, and process improvements to enhance results.
• Promote a high performance culture focused on accountability, collaboration, member experience and risk management.
• Respond to and resolve consumer and home equity loan clerks, as well as retail staff loan inquiries in a timely manner and facilitate assistance from other staff as appropriate.
• Constantly develop greater knowledge in all areas of credit union operations.
• Maintain an in-depth knowledge of the Credit Unions policies and procedures as well as regulations and compliance, both state and federal.
• Ensure underwriting decisions are consistent with credit policy, credit union guidelines, regulatory requirements, and risk appetite.
• Participate in Quality Control reviews of loan files.
• Assist the Chief Lending Officer and AVP of Consumer Lending in performing other duties and responsibilities as needed to ensure organizational success.
• Exercise discretion and independent judgment with respect to all matters of lending.
• Responsible for adherence to anti-money laundering duties and the Bank Secrecy Act laws.
• Represent the Credit Union in a professional and friendly manner, both internally and within the community.

Qualifications

• A minimum of 3 to 5 years of similar or related experience.
• Credit Union experience preferred.
• Knowledge of lending compliance.
• Strong Communication, both oral and written skills.
• Ability to become a Mortgage Loan Originator with the Nationwide Mortgage Licensing System & Registry (NMLS).
• Computer skills mandatory.