Description

The Consumer Loan Underwriting Manager provides strategic leadership and expert oversight of the consumer loan underwriting team and processes, in close collaboration with the VP of Consumer Lending. This role ensures accurate, timely, consistent, and compliant lending decisions while delivering an exceptional service experience to our members and partners. The Manager works alongside the VP of Consumer Lending to grow the Credit Union’s consumer loan portfolio across direct and indirect channels, while maintaining high loan quality, managing portfolio risk, and achieving strong growth with controlled delinquency. The ideal candidate is a transformational leader with a proven ability to analyze lending performance using key metrics, assess risk appetite, and drive continuous improvement within consumer lending operations, in alignment with the VP’s vision and organizational goals. Ability to leverage emerging technologies and advanced analytics is instrumental for this position.

Requirements

QUALIFICATTIONS:

A. Specialized or Technical Knowledge and Skills: Behavioral Competencies: Behavioral competencies are the skills and personal characteristics that an individual should possess in order to be successful in this position:

1)Bachelor’s degree in Finance, Business Management, or a related field required. - Minimum of three (3) years of lending management or supervisory experience required; five (5) years preferred.

2)Minimum of three (3) years of consumer lending experience at a financial institution; Credit Union experience preferred.

3)Demonstrated ability to analyze, interpret, and leverage key performance metrics to assess lending performance, portfolio growth, delinquency, and risk appetite. Familiarity with AI/ML applications in lending to streamline workflows or enhance credit risk modeling is highly preferred. 

4)- Proven experience leading transformational improvements in consumer lending operations in alignment with executive leadership.

5)Strong working knowledge of consumer loan underwriting, risk management, and regulatory requirements.

6)Advanced proficiency with Microsoft Office products (Excel, Word, Outlook, PowerPoint). - High preference for experience with Zest AI and MeridianLink technology platforms.1)Core Competencies: Core competencies (consistent for all positions across the organization and are aligned with WEOKIE’S core values):

a)Member Focus: Identifies creative financial solutions, builds member trust, follows through on commitments, actively resolves problems, and seeks member feedback.

b)Dependability: Meets commitments, works independently, adapts to change, sets personal standards, maintains focus under pressure, and meets attendance requirements.

c)Integrity/Ethics: Acts honestly and transparently, takes accountability, maintains confidentiality, supports company values, and communicates openly.