Consumer Loan Underwriting Supervisor

Harborstone Credit Union•Lakewood, WA

7h•Onsite

About The Position

Join Our Team at Harborstone Credit Union—Voted one of Washington’s Best Workplaces! Are you ready to make a difference in the lives of others while building your own career? At Harborstone Credit Union (HCU), we’re more than just a financial institution—we’re a community dedicated to building dreams and changing lives for generations to come! Why Join Our Team? At HCU, we believe that happy teammates create happy members. Enjoy competitive wages, unique benefits, and a workplace culture that supports your growth and happiness. If you’re looking for the “Best Place to Work, Ever!” and want to be part of a team that truly values its members and each other, apply today! The Consumer Loan Underwriting Supervisor plays a pivotal role in the Consumer Lending department by leading the daily operations of the underwriting team to ensure accurate, timely, and compliant credit decisions across all consumer loan products. This position is responsible for coaching and developing underwriters, overseeing workflow and decision quality, and supporting escalations and complex credit scenarios. The ideal candidate possesses strong leadership skills, deep underwriting expertise, and the ability to reinforce consistent decision quality and member advocacy. This role reports directly to the Consumer Loan Underwriting Manager and collaborates closely with branches, eLoans, vendors, dealer partners, internal lending teams and cross-functional partners to ensure alignment with Harborstone’s mission, vision, and values.

Requirements

A strong people leader with deep consumer underwriting expertise
A proactive problem‑solver who thrives in a fast‑paced environment
A clear communicator who builds trust with members, dealers, and internal partners
High school diploma
3 years of consumer loan underwriting experience in a financial institution
1 year of leadership experience
Proficiency in MS Office (Outlook, Excel, Word)
Strong analytical, problem‑solving, and decision‑making skills
Excellent verbal, written, and interpersonal communication
Excellent organizational and time-management abilities
Ability to multitask and manage high‑volume workloads
Knowledge of federal and state lending regulations
Ability to calculate APR, DTI, loan values, and financial ratios
Nationwide Mortgage Licensing System (NMLS), or the ability to obtain it within the first 90 days
Ability to maintain confidentiality
Bondable

Nice To Haves

Knowledge of LOS systems and lending platforms

Responsibilities

Lead, coach, and develop a high‑performing team of consumer loan underwriters
Oversee daily underwriting workflow, quality, and service‑level performance
Support escalations, complex credit scenarios, and cross‑department collaboration
Provide leadership, coaching, and performance management for underwriting staff
Ensure accurate, timely, and compliant credit decisions across all consumer loan products
Drive operational excellence through process improvements, quality control, and trend monitoring
Mentor, coach, and develop underwriters through regular one‑on‑one meetings, performance reviews, and ongoing feedback
Reinforce accountability, decision quality, and alignment with Harborstone’s Ten Essentials
Serve as a primary resource for underwriting guidance and troubleshooting
Manage daily underwriting workflow, workload distribution, and service‑level performance
Ensure procedures remain accurate and up to date
Lead process improvements, system testing, and adoption of new tools and workflows to enhance efficiency and member experience
Provide secondary review and oversight of loan decisions to ensure accuracy, consistency, and policy alignment
Coach underwriters on risk assessment and decision rationale
Monitor trends in application quality, decision outcomes, and risk indicators to inform leadership