Consumer Loan Underwriting Manager - Military veterans preferred

POSITION DESCRIPTION Title: Consumer Loan Underwriting Manager Revised: 6/26/2025

Salary Grade: Reports To: VP of Consumer Lending

Department: Consumer Lending # Supervised Staff: 3

Mobile Device Eligible: Yes Laptop Cell Phone

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.

1) Provides daily leadership for underwriting operations to meet production, quality, risk, and turnaround expectations. Ensures consistent application of lending policies, procedures, and standards to deliver excellent member service and high-quality loan decisions. Actively develops underwriters to make sound, consistent decisions, explain reasoning, restructure loans, offer alternatives within guidelines, and recommend suitable programs. Actively develops underwriters to work confidently with AI-driven support tool, ensuring human judgment complements technology to improve consistency, efficiency, and fairness in loan decisions.

BASIC FUNCTION

IDENTIFYING INFORMATION

MAJOR ACTIVITIES

2)Collaborates closely with the VP of Consumer Lending to ensure assigned business units operate efficiently, reliably, and in full compliance with laws, regulations, and internal controls to mitigate risk. Supports adherence to fair lending laws and assists with organization-wide training and monitoring efforts. Contributes to developing and executing unit strategies, plans, budgets, and performance measurements to drive results while maintaining loan quality. Continuously identifies opportunities to improve processes to deliver accurate, compliant, service-focused, and cost-effective operations.3)Monitors and manages credit risk through reporting, analytics, and proactive portfolio oversight. Leverages data-driven insights and AI-powered analytics, including predictive modeling and automated risk scoring to evaluate lending performance, detect early warning sign of portfolio stress, loan quality, delinquency levels, and risk appetite, ensuring the Credit Union achieves sustainable growth with minimal delinquency, in alignment with the overall strategy of the VP of Consumer Lending.4)Collaborates with auditors, regulatory agencies, and third-party lending partners; assists with vendor management and oversight. Prioritizes partnerships and technology solutions, including Zest AI, Meridian Link, and other advanced tools to improve underwriting consistency, reduce bias, enhance risk management, and operational efficiency.5)In collaboration with the VP of Consumer Lending, develops and implements new lending programs to meet member financial needs, enhance financial well-being, and align with the Credit Union’s strategic goals. Continuously reviews lending processes and programs to drive innovation, transformation, and sustainable portfolio growth in alignment with organizational objectives.6)Supports consumer lending training initiatives across the organization.7)Underwrites complex loan applications and resolves issues escalated beyond the underwriting team.

1)Members and partners consistently experience exceptional service and support from the Credit Union.2)Strategic and operational goals, as established in collaboration with the VP of Consumer Lending, are executed efficiently, effectively, and within deadlines.3)Key lending performance metrics—including loan growth, portfolio quality, delinquency rates, and risk exposure—are consistently evaluated and managed to meet or exceed Credit Union expectations.4)Loan originations are processed efficiently, with minimal errors and strong compliance controls.5)Team members operate in a positive, policy-compliant work environment that fosters professional growth and success.6)Business units perform efficiently, with strong operating controls and full compliance with all applicable laws and regulations.7)AI tool and data-driven insights are actively used in underwriting processes to increase automation, reduce manual errors, and support timely, consistent decisions.

CRITICAL RESULTS

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 thisposition: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.

QUALIFICATIONS

2)Job Specific Competencies: The position requires a wellrounded and levelheaded individual who is able to maintain composure in a variety of situations. The following stand out among a long list of behavioral competencies for this position:a)Leadership: Drives transformation and innovation in consumer lending operations in collaboration with the VP of Consumer Lending. Leads through change and adversity, makes strategic decisions, motivates and develops others, and fosters a high-performance culture focused on results and accountability. b)Technology Stewardship: Demonstrates the ability to evaluate, implement, and optimize technology solutions--including AI and automation platforms--that align with lending goals. Encourage digital fluency among team members and actively identifies tech-enabled opportunities to improve lending outcomes. c)Managing for Results: Sets clear, ambitious goals, ensures accountability, tracks progress, and optimizes systems for measuring success d)Managing Performance: Applies clear/consistent performance standards, handles performance problems decisively and objectively, is direct but tactful, provides guidance and assistance to improve performance. e)People Development: Provides feedback and coaching, rewards hard work and risk taking, takes mentoring role, challenges and develops employees, accepts mistakes, offer recognition, and provides visibility/opportunity. f)Job Knowledge: Demonstrates expertise, technical skills, understanding of responsibilities, and alignment with the organization’s mission and values; stays current on industry trends and critical issues.

C.Physical Demands: 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 frequently required to stand;walk; sit and talk or hear. The employee must occasionally lift and/or move up to 10 pounds. D. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The worker is not substantially exposed to adverse environmental conditions. The noise level in the work environment is usually moderate.

EQUAL EMPLOYMENT OPPORTUNITY/AFFIRMATIVE ACTION EMPLOYER

WEOKIE does not and shall not discriminate on the basis of Protected Status, marital status, and political belief

or any other status or condition protected by applicable federal and/or state law. Bona fide occupational

qualifications will be applied impartially. These activities include, but are not limited to, hiring of staff,

selection of volunteers and vendors, and provision of services. We are committed to providing an inclusive and

welcoming environment for all our members, our staff, clients, volunteers, subcontractors, vendors, and

clients.