Consumer Underwriting Assistant Manager/Team Leader
Gesa Credit Union, Richland, Washington, United States, 99352
Overview
Take a leap and join our team!
Please note that this position requires working rotating weekends (Saturdays and Sundays) as well as holidays.
At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together. Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
Role Summary Under the general supervision of the Consumer Underwriting Manager/Team Leader, the Consumer Underwriting Assistant Manager/Team Leader is responsible for the daily operational oversight and strategic implementation of departmental and organizational goals. This role involves making high-quality decisions on consumer loan requests (both direct and indirect) in adherence to Gesa's underwriting standards, while also proactively proposing alternative solutions to meet applicants' financial needs. The position is critical for fostering and expanding dealership portfolios through dedicated outreach, as well as developing and maintaining strong relationships with branch partners. Leveraging advanced to expert-level, comprehensive job knowledge, this individual demonstrates a proven capacity to manage significant responsibilities beyond a standard Underwriter role. Furthermore, this position serves as a vital resource for other Underwriters, providing expert guidance, resolving complex inquiries, handling escalations, and actively contributing to team development through mentorship, coaching, and training initiatives.
What You Will Be Doing
Apply critical thinking skills and solid lending principles according to the needs of each applicant and their risk profile; construct and approve loan offers in accordance with delegated approval authority and loan policy independently.
Evaluate and mitigate risk while maintaining profitability associated with extending credit requests.
Apply underwriting guidelines in making and defending loan decisions independently.
Identify and recommend additional lending opportunities to increase relationships with members.
Provide accurate pricing and terms to dealerships in a courteous/professional manner.
Responsible for dealership onboarding recommendations through market analysis reports.
May be responsible for communication of relationship dissolution from the indirect program for non-performing dealerships.
Ensure compliance with legal requirements, lending regulations and internal policies and procedures.
Maintain positive relationships with colleagues and business partners.
Maintain the highest level of confidentiality relative to information received directly or indirectly.
Adhere to all local, state, and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.
Maintain awareness of laws, rules, regulations, and policies and procedures which impact position duties and responsibilities.
Ability to independently analyze, research and resolve medium to high complexity problems.
Generate new and innovative ways to streamline processes.
Serve on project teams for expertise as a Subject Matter Expert (SME).
Serve as a resource or SME for the team.
Responsible for loan audits ensuring consistency with policies and procedures.
May be responsible for department training needs.
May be responsible for maintaining department manual and procedures.
Attend credit union training sessions, conferences, or seminars as approved by supervisor.
Display mutual respect, trust, and dignity, acting in the best interest of the credit union. Lead by example by displaying solid ethics and integrity at all times.
Ensure that all issues are handled in a fair, legal, and consistent manner.
About You
Advanced knowledge of local, state, and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.
Proven ability in conducting credit analysis including credit reporting, credit investigation and cash flow analysis under moderate guidance of a Team Leader.
Proven ability to make decisions in a timely manner and articulate the reasoning for decisions.
Proven ability to prioritize and manage multiple demands effectively.
Proven ability to work effectively both collaboratively and independently, with minimal supervision.
Excellent oral and written communication skills.
Proficient mathematical skills with a high degree of accuracy.
Proficient with MS Office Suites (Word, Excel, Outlook).
Ability to work “off-business” hours, including weekends (Sundays included) and holidays.
Excellent interpersonal skills and ability to build and maintain positive working relationships with co-workers and business partners.
Proven ability to analyze and underwrite a high volume of applications to make sound lending decisions with granted authority and identify potential risks and solutions.
Ability to train, coach and mentor other Underwriters.
Ability to create and maintain department training material.
Leadership Core Competencies
Leading Others
Developing Others
Emotional Intelligence
Social Responsibility
Performance & Results Orientation
Qualifications What You Will Need:
Equivalent to a four (4) year college degree or completion of a specialized course of study at a business or trade school; or equivalent experience.
Five (5) to seven (7) years of similar or related exposure to indirect lending/financial services.
Advanced knowledge of FICO preferred.
Advanced knowledge of CUDL, Dealer Track and Route One programs preferred.
Advanced knowledge of local, state, and federal laws/regulatory requirements, as related to functional areas, including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.
A valid Driver’s License is required.
Our Team Member Value Proposition In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:
Competitive Pay
Medical, Dental, Vision, and Life Insurance
20 days/year of Paid Time Off – Plus 10 Paid Holidays!
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product discounts
Engaging Work Environment
Rewards and Recognition Programs
Salary Range $80,168.40 - $119,957.52
Note: While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!
Get wise to what’s possible with a career at Gesa. Join us!
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.
Selected candidate(s) must be able to pass a pre-employment credit/background check.
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.
Equal Employment Opportunity (gesa.com)
#J-18808-Ljbffr
Please note that this position requires working rotating weekends (Saturdays and Sundays) as well as holidays.
At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together. Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
Role Summary Under the general supervision of the Consumer Underwriting Manager/Team Leader, the Consumer Underwriting Assistant Manager/Team Leader is responsible for the daily operational oversight and strategic implementation of departmental and organizational goals. This role involves making high-quality decisions on consumer loan requests (both direct and indirect) in adherence to Gesa's underwriting standards, while also proactively proposing alternative solutions to meet applicants' financial needs. The position is critical for fostering and expanding dealership portfolios through dedicated outreach, as well as developing and maintaining strong relationships with branch partners. Leveraging advanced to expert-level, comprehensive job knowledge, this individual demonstrates a proven capacity to manage significant responsibilities beyond a standard Underwriter role. Furthermore, this position serves as a vital resource for other Underwriters, providing expert guidance, resolving complex inquiries, handling escalations, and actively contributing to team development through mentorship, coaching, and training initiatives.
What You Will Be Doing
Apply critical thinking skills and solid lending principles according to the needs of each applicant and their risk profile; construct and approve loan offers in accordance with delegated approval authority and loan policy independently.
Evaluate and mitigate risk while maintaining profitability associated with extending credit requests.
Apply underwriting guidelines in making and defending loan decisions independently.
Identify and recommend additional lending opportunities to increase relationships with members.
Provide accurate pricing and terms to dealerships in a courteous/professional manner.
Responsible for dealership onboarding recommendations through market analysis reports.
May be responsible for communication of relationship dissolution from the indirect program for non-performing dealerships.
Ensure compliance with legal requirements, lending regulations and internal policies and procedures.
Maintain positive relationships with colleagues and business partners.
Maintain the highest level of confidentiality relative to information received directly or indirectly.
Adhere to all local, state, and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.
Maintain awareness of laws, rules, regulations, and policies and procedures which impact position duties and responsibilities.
Ability to independently analyze, research and resolve medium to high complexity problems.
Generate new and innovative ways to streamline processes.
Serve on project teams for expertise as a Subject Matter Expert (SME).
Serve as a resource or SME for the team.
Responsible for loan audits ensuring consistency with policies and procedures.
May be responsible for department training needs.
May be responsible for maintaining department manual and procedures.
Attend credit union training sessions, conferences, or seminars as approved by supervisor.
Display mutual respect, trust, and dignity, acting in the best interest of the credit union. Lead by example by displaying solid ethics and integrity at all times.
Ensure that all issues are handled in a fair, legal, and consistent manner.
About You
Advanced knowledge of local, state, and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.
Proven ability in conducting credit analysis including credit reporting, credit investigation and cash flow analysis under moderate guidance of a Team Leader.
Proven ability to make decisions in a timely manner and articulate the reasoning for decisions.
Proven ability to prioritize and manage multiple demands effectively.
Proven ability to work effectively both collaboratively and independently, with minimal supervision.
Excellent oral and written communication skills.
Proficient mathematical skills with a high degree of accuracy.
Proficient with MS Office Suites (Word, Excel, Outlook).
Ability to work “off-business” hours, including weekends (Sundays included) and holidays.
Excellent interpersonal skills and ability to build and maintain positive working relationships with co-workers and business partners.
Proven ability to analyze and underwrite a high volume of applications to make sound lending decisions with granted authority and identify potential risks and solutions.
Ability to train, coach and mentor other Underwriters.
Ability to create and maintain department training material.
Leadership Core Competencies
Leading Others
Developing Others
Emotional Intelligence
Social Responsibility
Performance & Results Orientation
Qualifications What You Will Need:
Equivalent to a four (4) year college degree or completion of a specialized course of study at a business or trade school; or equivalent experience.
Five (5) to seven (7) years of similar or related exposure to indirect lending/financial services.
Advanced knowledge of FICO preferred.
Advanced knowledge of CUDL, Dealer Track and Route One programs preferred.
Advanced knowledge of local, state, and federal laws/regulatory requirements, as related to functional areas, including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.
A valid Driver’s License is required.
Our Team Member Value Proposition In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:
Competitive Pay
Medical, Dental, Vision, and Life Insurance
20 days/year of Paid Time Off – Plus 10 Paid Holidays!
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product discounts
Engaging Work Environment
Rewards and Recognition Programs
Salary Range $80,168.40 - $119,957.52
Note: While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!
Get wise to what’s possible with a career at Gesa. Join us!
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.
Selected candidate(s) must be able to pass a pre-employment credit/background check.
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.
Equal Employment Opportunity (gesa.com)
#J-18808-Ljbffr