Reporting
Onsite: SFCU home office 42 Union Street, Sidney NY 13838
Salary $93,294 - $116,618 annually
Note Preferred bachelor’s degree in business, Finance, Economics, or a related field. 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 and funding 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 consumer lending products.
Lead and supervise a team of funders responsible for funding consumer loan applications, including personal loans, credit cards, and other consumer lending products, as well as indirect auto loans.
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 multiple 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 and funded 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 laws, regulations, and industry trends, and ensure 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 job-related duties as assigned.
Knowledge and Skills Experience: Three 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.
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.
#J-18808-Ljbffr
Salary $93,294 - $116,618 annually
Note Preferred bachelor’s degree in business, Finance, Economics, or a related field. 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 and funding 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 consumer lending products.
Lead and supervise a team of funders responsible for funding consumer loan applications, including personal loans, credit cards, and other consumer lending products, as well as indirect auto loans.
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 multiple 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 and funded 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 laws, regulations, and industry trends, and ensure 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 job-related duties as assigned.
Knowledge and Skills Experience: Three 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.
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.
#J-18808-Ljbffr