Underwriting Manager

Key Responsibilities:

• Manage and oversee the credit operations department, ensuring timely and accurate adjudication of credit decision
• Lead and manage the underwriting team, providing guidance and support to ensure high performance.
• Establish and follow Decision Turn Time SLAs for Dealer Service Center
• Develop and implement comprehensive underwriting policies and procedures.
• Function as a Collaborator with Processors, Sales, and external customers, with an obsession with delivery high quality service.
• Underwrite loans by performing a thorough due diligence analysis and reviewing loan documentation by adhering to company policies, procedures, lending guidelines, structuring loans based on a variety of loan programs offered
• Evaluate and analyze complex credit applications to determine risk and make informed approval decisions.
• Regularly review and analyze funding processes to identify opportunities for efficiency improvements
• Ensure underwriting operations comply with regulatory requirements and company standards.
• Take initiative with a clear business mind providing problem-solving solutions with a collaborative approach while collaborating with appropriate parties associated with the loan, before, during and after closing
• Utilize Microsoft Office and Loan Origination Systems (LOS) to oversee and manage loan applications.
• Escalate and evaluate loan exceptions to management for review and final decision
• Maintain accurate and up-to-date records of all underwriting decisions and documentation.
• Collaborate with other departments to achieve organizational goals and improve operational efficiency.
• Manage, mentor, train and assist a team of both experienced and new underwriters.
• Provide training and professional development opportunities to underwriting staff.
• Review loans for completeness, accuracy, compliance and raise potential risks and concern, including deficiencies in funding
• Deliver excellent customer service and support to dealers and customers regarding financing options.
• Review loans for completeness, accuracy, compliance and raise potential risks and concern, including deficiencies in funding
• All other job duties as assigned.

Qualifications:

• Bachelor's degree in Finance, Business, or a related field preferred.
• Previous experience in underwriting or related financial services is mandatory.
• Minimum of 5-7 years of underwriting experience, with at least 2-3 years in a managerial role.
• Proficiency in Microsoft Office (Word, Excel, PowerPoint).
• Strong familiarity with Loan Origination Systems (LOS).
• Effective interpersonal skills for working across teams and departments
• Excellent analytical, decision-making, and leadership skills.
• Superior communication and interpersonal abilities.
• Excellent management and leadership skills.
• Ability to work on-site at our Foothill Ranch, CA office.

Profile Differentiators:

• Experience in founding, co-founding or working in a fast-paced startup environment.
• Experience in Powersports Finance Industry (motorcycle, ATVs UTVs, PWCs)
• Experience in a FinTech startup.
• Advanced Professional degree.

Salary Range:

$90,000 - $120,000 annually, based on experience and qualifications.

Equal Opportunity:

KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin/ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability or any other legally protected status.