Consumer Loan Underwriting Manager-onsite

Here at SFCU we define our culture as one of GROWTH. Growing our member, growing our employee, and growing our organization. In the role of a Consumer Loan Underwriting Manager your responsibilities include overseeing the underwriting team and managing all aspects of the credit unions consumer loan portfolio. This includes supervising, training, and coaching underwriters, ensuring loan applications are evaluated in a timely, accurate, and compliant manner, and maintaining high standards of risk management and loan quality. In this role it is necessary to be committed to continued self-development to maintain a deep understanding of credit risk combo underwriting principles, and lending policies, as well as the ability to maintain efficiencies and motivation through strong leadership. Responsibilities include a commitment to collaborate effectively with other departments to meet organizational goals as well as providing exceptional member service and promoting the credit unions mission and values.

Reporting: Onsite: SFCU home office 42 Union Street, Sidney NY 13838

• Limited hybrid will be discussed in interviews.

Salary: $80,392-$100,506

Note: Bachelor's degree in business, Finance, Economics, or a related field (preferred). Advanced certifications (e.g., CUCE, CUNA Consumer Lending Certification) or equivalent experience is a plus.

Essential Functions & Responsibilities:

Provide coaching, training, and development opportunities to underwriting staff to enhance skills, improve performance, and ensure alignment with organizational goals.

Lead and supervise a team of underwriters responsible for evaluating consumer loan applications, including personal loans, auto loans, credit cards, and other unsecured lending products.

Conduct regular performance reviews, set clear goals, and provide constructive feedback to team members.

Collaborate with the lending department and other departments to ensure seamless communication and workflow.

Oversee the underwriting process, ensuring compliance with credit union policies, regulatory requirements, and industry best practices.

Review and approve complex or high-dollar loan applications that require exceptions or involve higher levels of risk.

Monitor and ensure that loan decisions align with the credit union's risk tolerance and business objectives.

Ensure underwriters maintain appropriate standards in evaluating creditworthiness, collateral, and capacity for repayment.

Implement and maintain a system of quality control to ensure that all loans are underwritten correctly and in compliance with applicable laws, regulations, and credit union policies.

Review loan portfolios and conduct audits to identify trends, ensure accuracy, and recommend improvements to policies and procedures.

Stay informed about changing lending laws, regulations, and industry trends, and ensure the underwriting team adheres to all relevant regulatory requirements.

Work with leadership to adjust lending strategies based on performance data, economic conditions, and changes in consumer behavior.

Prepare and present regular reports on underwriting performance, loan volume, and trends to senior management.

Track key performance indicators (KPIs) such as loan approval/denial rates, turnaround times, and provide data-driven recommendations for continuous improvement.

Evaluate current underwriting processes, recommend changes or enhancements, and lead initiatives aimed at increasing efficiency, reducing turnaround times, and improving member satisfaction.

Work with the systems and operations teams to implement and enhance underwriting systems and technologies.

Perform other related duties as assigned.

Knowledge and Skills:

Experience: Three years to five years of similar or related experience.

Education: Bachelor's degree in business, Finance, Economics, or a related field (preferred). Advanced certifications (e.g., CUCE, CUNA Consumer Lending Certification) or equivalent experience is a plus.

Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills: Strong leadership, team-building, and coaching skills. Excellent decision-making and problem-solving abilities. Proficiency in using Microsoft Office Suite (Excel, Word, PowerPoint). Strong analytical skills with the ability to interpret complex financial data and assess risk. Outstanding communication and interpersonal skills, with the ability to explain complex decisions clearly and professionally.

Ability to manage multiple priorities in a fast-paced environment while maintaining attention to detail and accuracy.

Valid National Mortgage Licensing System (NMLS) Registration

Equal Opportunity Employer/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.