Position Summary

The Consumer Lending Underwriter Manager will be responsible to manage the underwriting for all consumer loans (direct and indirect auto, credit card and personal), handle complicated loan requests, escalations and scenario specific inquiries. Duties include oversight of the underwriting team, monitoring queues relating to Service Level Agreements (SLA), compliance, ECOA and Fair Lending. Implement any updates, changes in regulations, product development and training. Perform detailed analysis and review of loan applications to make sure credit decisions rendered according to established underwriting limits and in timely consistent manner.

Essential Duties and Responsibilities

• Manage the unit as underwriters perform functions for all consumer loan products (direct and indirect autos, credit cards and personal loans). Evaluate and decision loan applications in accordance with established policy and procedure.
• Must possess extensive industry, product and workflow knowledge of consumer lending practices and be proficient in solving problems at each step in the process.
• Establish, communicate and coordinate procedures with underwriters and the rest of the consumer lending staff to ensure smooth operation from origination through funding. Knowledge should include automated underwriting, risk-based pricing and credit analysis.
• Demonstrate strong ability to analyze all income types, including complicated tax returns
• Manage implementation of updates to guidelines keeping procedures updated and employees trained at all times.
• Assist staff with all loan requirements, questions, and training.
• Develop appropriate and compliant documentation to include member correspondence, compliance notifications, procedures and guidelines/worksheets to ensure consistent and successful operations within SDCCU underwriting. 
• Arbitrate appeals and escalate as needed.
• Perform quality assurance and first line of defense monitoring for appropriate loan decisions, service levels and other key performance, compliance and/or quality indicators.
• Interact with members, dealers and vendors when necessary and as appropriate for the position.
• Train new staff to underwrite loans according to loan policy and guidelines.
• Provide managerial oversight of the activities for areas of responsibility, including assigned staff and functional deliverables of the team.
• Demonstrate leadership in words and actions on a daily basis; act as role model for success and engagement. Create a positive work environment conducive to trust and transparency.
• Responsible for the performance management of staff, to include daily feedback, coaching and mentoring; administration of appraisals that are timely and meaningful. Identify and address deficiencies constructively. Continually support, encourage and motivate team members toward ongoing growth and development.
• Consult with Human Resources (HR) on issues outside of the normal scope of performance or behavior. Report all issues of safety or legal consequence immediately and surface undesirable patterns as they are discovered. Partner with HR on all employment decisions, and refer requests for changes in terms or scheduling to the HR department.
• Monitor approved schedules, review and approve timesheets of staff, and ensure all expenses are reported as per company policy. Schedule and provide staff the opportunity for meal and rest breaks, while ensuring operational coverage is maintained.

Other Duties and Responsibilities

• Perform other duties as assigned.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee is frequently required to stand and reach with hands and arms. The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

The noise level in the work environment is usually moderate.

Minimum Qualifications (Education, Experience, Skills)

• High school diploma or equivalent
• Minimum of 2 years of supervisory experience
• Ability to motivate, direct and coach staff. Demonstrated leadership abilities, proven supervisory skills.
• Five years of experience in consumer loan underwriting environment to include direct and indirect autos, credit cards and personal loans.
• Working knowledge of credit risk management and underwriting guidelines.
• Working knowledge of applicable laws and regulations.
• Ability to work independently exercising judgment and problem solving skills.
• Demonstrated success in planning, organizing, leading and oversight of people and activities.
• Professional and effective interaction, verbal and written communication skills.
• Organization skills sufficient to successfully manage multiple projects, establish priorities and meet deadlines.
• Track record of applying critical thinking and emotional intelligence skills in a wide variety of situations.