Underwriter Assistant Manager

Description

PRIMARY OBJECTIVE OF POSITION

The incumbent assists in the managerial responsibility of the consumer lending underwriting department. Follow credit union policies and procedures as well as federal and state regulations. Assists management team members and upline management to exercise leadership skills that promote a team orientated environment, motivate staff toward accomplishing goals, productivity, accuracy, and efficiency. Must be objective in oversite and maintain confidentiality of all staff. Supports the management team with department goals and staff with the strategic and operational goals of the Credit Union.
 

Essential Job Functions:

• Approve and ensure time records, absence leave, annual leave, overtime, and attendance exceptions are accurately recorded in the designated system.
• Complete orientation of new employees in overall department and Credit Union procedures.
• Holds meetings monthly with department employees for updates to department, reinforce policy, procedures, and discuss areas needing improvement, criticisms, changes in procedures, etc.
• Daily, Weekly, Monthly reporting – compile reporting data, ensure accuracy of department reports, review reports and make improvement recommendations when applicable; work assigned duties with reporting data as assigned.
• Conduct routine audits on staff loan decision and performance to ensure compliance with guidelines.
• Participate in department training and development of staff through formal trainings, side by sides and call calibrations.
• Ensure all required trainings, including compliance trainings, are completed timely.
• Maintain performance summary notes for annual performance reviews of staff; assist Consumer Lending Management in completing annual reviews timely.
• Assist in member escalations.
• Monitor and recommend position progression and lending limits.
• Review and resolve issues presented by Senior Management, Branch Managers, Coaches/Team Leaders, and member service.
• Responsible for working closely with Senior Management, Training, Consumer Loan Underwriters, and Member Service staff to achieve performance goals. Responsible for management of workflow of centralized queue. Review, analyze, and interpret performance reports monthly.
• Conduct loan underwriting, process, and procedure audits as requested by CLO/VP
• Act as a liaison between Senior Management and IS Department in the implementation phase of any new or updated lending systems.
• Monitor, analyze, and communicate trends related applications, decisions, performance.
• Evaluate loan applications and supporting documentation for accuracy and completeness of applicant information, and to ensure consistent risk factor analysis.
• Perform appropriate analysis utilizing the tools available (credit report, formulas, collateral value look up, etc.) to determine credit worthiness within established lending authority guidelines.
• Document decision in the Credit Union loan origination software and assist the consumer loan originators with communicating the decision to the applicant.
• Provide guidance to consumer loan originators to actively promote and cross sell credit union products and services.
• Verify loan is funded accurately and consistent with underwriting final approval conditions.
• Process employee loan requests as assigned.
• Act as lending subject matter expert in support of various lending training activities.
• Maintain current and fluid knowledge of the Credit Union and industry compliance, guidelines, processes, and procedures.
• Communicate effectively and engage proactively with consumer loan originators, processors, and managers to ensure exceptional member service.
• All other duties assigned.

RELATIONSHIPS AND CONTACTS

Supervise Approximately:  1-12

Reports To:  VP Lending

Contacts:  Frequent contact with Underwriters, consumer loan originators and persons involved with the lending process.

Qualifications

Experience Requirements:

• 5 years Consumer lending underwriting
• 2 years supervisory

Education Requirements:

• Associate degree or completion of approximately 64 credit hours Business related field
• Commensurate work experience with loan underwriting will be considered in lieu of degree

Physical Demands

• Standing - Occasionally
• Walking - Occasionally
• Sitting - Constantly
• Lifting - Rarely
• Carrying - Rarely
• Pushing - Rarely
• Pulling - Rarely
• Climbing - Rarely
• Balancing - Rarely
• Stooping - Rarely
• Kneeling - Rarely
• Crouching - Rarely
• Crawling - Rarely
• Reaching - Rarely
• Handling - Occasionally
• Grasping - Occasionally
• Feeling - Rarely
• Talking - Constantly
• Hearing - Constantly
• Repetitive Motions - Frequently
• Eye/Hand/Foot Coordination - Frequently

Physical and Environmental Requirements
Office: This job primarily operates in a professional office environment and routinely requires the use of standard office equipment such as computers, phones, copy machines, etc.

Our people are passionate about what they do and the members they serve. If you are looking for an opportunity to be a part of a work family that values dedication, unity, and excellence, we are the right company for you.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as detailed description of all work requirements that may be inherent in the job.