Consumer Loan Underwriting Manager

Harborstone Credit Union • Lakewood, WA

19h • $81,873 - $122,809

About The Position

The Consumer Loan Underwriting Manager provides strategic leadership and operational oversight for Harborstone Credit Union’s consumer lending and underwriting functions. The manager leads and develops supervisors and underwriting teams while ensuring sound lending decisions, regulatory compliance, operational efficiency, and outstanding member experiences. The role combines leadership, analytics, lending expertise, process improvement, and cross-functional collaboration. It oversees underwriting for auto, motorcycle, recreational vehicle, boat, HELOC, secured, and unsecured loans, as well as automated decision systems. The position also supports a hybrid workforce and works with internal and external partners to improve lending operations and member outcomes.

Requirements

• At least 5 years of consumer loan underwriting experience within a financial institution.
• At least 3 years of team leadership experience.
• Bachelor’s degree or equivalent combination of education and experience.
• Strong understanding of consumer lending practices and underwriting principles.
• Knowledge of federal and state lending regulations.
• Exceptional communication, leadership, and relationship-building skills.
• Strong analytical, problem-solving, and decision-making abilities.
• Experience managing multiple priorities in a fast-paced environment.
• Proficiency with Microsoft Office Suite, including Outlook, Excel, and Word.
• Ability to calculate APRs, debt-to-income ratios, loan values, discounts, and related lending metrics.
• Ability to maintain confidentiality and be bondable.
• Flexible availability Monday through Sunday, including occasional meetings and events outside normal business hours.
• Ability to communicate effectively in person, electronically, and in writing.
• Ability to sit or stand for extended periods; occasionally lift supplies up to 25 pounds; and bend, stoop, squat, and reach when necessary.

Nice To Haves

• Bilingual ability, particularly Spanish-speaking.
• Additional lending, leadership, or financial services certifications and training.
• Experience with Loan Origination Systems (LOS) and lending technology platforms.

Responsibilities

• Coach, mentor, and inspire supervisors and underwriting staff; build accountability, engagement, and continuous learning.
• Conduct performance reviews, career development planning, and regular coaching sessions.
• Lead and support a hybrid workforce, and ensure staffing, scheduling, and service levels meet organizational goals.
• Oversee consumer loan underwriting activities and automated decision systems; advise on complex lending decisions and escalations.
• Ensure loan decisions align with Harborstone policies, risk appetite, and regulatory requirements, and maintain underwriting standards across consumer loan products.
• Monitor lending production, quality, service levels, and key performance indicators; manage departmental budgets and resources.
• Lead lending projects, system enhancements, and strategic initiatives, including testing and implementation support for upgrades.
• Partner with organizational leaders, branches, dealers, contact center teams, and other stakeholders to improve processes and member outcomes and provide a seamless lending experience.
• Resolve complex member concerns professionally and empathetically; build and maintain dealer relationships.
• Represent Harborstone with auditors, examiners, legal partners, and industry organizations.
• Evaluate processes and identify opportunities to improve efficiency and service delivery.
• Ensure compliance with federal and state lending regulations, BSA requirements, and internal controls; conduct quality reviews and audits.
• Monitor market trends and economic conditions and recommend lending strategies, policies, and procedures.
• Ensure annual Departmental Lending Procedure reviews are completed and support Harborstone’s mission, vision, and values.

Benefits

• 401(k) with employer match.
• Medical, dental, and vision coverage.
• Employer contribution toward dependent medical premium.
• Generous paid time off and holidays.
• Professional development and career growth opportunities.
• Employee appreciation and recognition programs.
• Discounted employee financial products.
• Collaborative, supportive culture that values work-life balance and employee well-being.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager