Consumer Loan Underwriting Supervisor

Harborstone Credit Union•Lakewood, WA

22h•Onsite

About The Position

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, Essential
3 years of consumer loan underwriting experience in a financial institution, Essential
1 year of leadership experience, Essential
Proficiency in MS Office (Outlook, Excel, Word), Essential
Strong analytical, problem-solving, and decision-making skills, Essential
Excellent verbal, written, and interpersonal communication, Essential
Excellent organizational and time-management abilities, Essential
Ability to multitask and manage high-volume workloads, Essential
Knowledge of federal and state lending regulations, Essential
Ability to calculate APR, DTI, loan values, and financial ratios, Essential
Nationwide Mortgage Licensing System (NMLS), or the ability to obtain it within the first 90 days, Essential
Ability to maintain confidentiality, Essential
Bondable, Essential

Nice To Haves

Knowledge of LOS systems and lending platforms, Preferred

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.