Consumer Loan Underwriting Manager

Weokie Federal Credit Union•Oklahoma City, OK

41d

About The Position

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.

Requirements

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.
Minimum of three (3) years of consumer lending experience at a financial institution; Credit Union experience preferred.
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.
Proven experience leading transformational improvements in consumer lending operations in alignment with executive leadership.
Strong working knowledge of consumer loan underwriting, risk management, and regulatory requirements.
Advanced proficiency with Microsoft Office products (Excel, Word, Outlook, PowerPoint).

Nice To Haves

High preference for experience with Zest AI and MeridianLink technology platforms.

Responsibilities

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.
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.
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.
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.
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.
Supports consumer lending training initiatives across the organization.
Underwrites complex loan applications and resolves issues escalated beyond the underwriting team.

Stand Out From the Crowd

Upload your resume and get instant feedback on how well it matches this job.

Upload and Match Resume