Consumer Underwriting Assistant Manager/Team Leader

GESA CREDIT UNION•Richland, WA

2d•$80,168 - $119,958

About The Position

Under the general supervision of the Consumer Underwriting Manager/Team Leader, the Consumer Underwriting Assistant Manager/Team Leader is responsible for the daily operational oversight and strategic implementation of departmental and organizational goals. This role involves making high-quality decisions on consumer loan requests (both direct and indirect) in adherence to Gesa's underwriting standards, while also proactively proposing alternative solutions to meet applicants' financial needs. The position is critical for fostering and expanding dealership portfolios through dedicated outreach, as well as developing and maintaining strong relationships with branch partners. Leveraging advanced to expert-level, comprehensive job knowledge, this individual demonstrates a proven capacity to manage significant responsibilities beyond a standard Underwriter role. Furthermore, this position serves as a vital resource for other Underwriters, providing expert guidance, resolving complex inquiries, handling escalations, and actively contributing to team development through mentorship, coaching, and training initiatives.

Requirements

Advanced knowledge of local, state, and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.
Proven ability in conducting credit analysis including credit reporting, credit investigation and cash flow analysis under moderate guidance of a Team Leader.
Proven ability to make decisions in a timely manner and articulate the reasoning for decisions.
Proven ability to prioritize and manage multiple demands effectively.
Proven ability to work effectively both collaboratively and independently, with minimal supervision.
Excellent oral and written communication skills.
Proficient mathematical skills with a high degree of accuracy.
Proficient with MS office Suites (Word, Excel, Outlook).
Ability to work “off-business” hours, including weekends (Sundays included) and holidays.
Excellent interpersonal skills and ability to build and maintain positive working relationships with co-workers and business partners.
Proven ability to analyze and underwrite a high volume of applications to make sound lending decisions with granted authority and identify potential risks and solutions.
Ability to train, coach and mentor other Underwriters.
Ability to create and maintain department training material.
Equivalent to a four (4) year college degree or completion of a specialized course of study at a business or trade school; or equivalent experience.
Five (5) to seven (7) years of similar or related exposure to indirect lending/financial services.
A valid Driver’s License is required.

Nice To Haves

Advanced knowledge of FICO preferred.
Advanced knowledge of CUDL, Dealer Track and Route One programs preferred.
Advanced knowledge of local, state, and federal laws/regulatory requirements, as related to functional areas. including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.

Responsibilities

Apply critical thinking skills and solid lending principles according to the needs of each applicant and their risk profile; construct and approve loan offers in accordance with delegated approval authority and loan policy independently.
Evaluates and mitigates risk while maintaining profitability associated with extending credit requests.
Apply underwriting guidelines in making and defending loan decisions independently.
Identify and recommend additional lending opportunities to increase relationships with members.
Provide accurate pricing and terms to dealerships in a courteous/professional manner.
Responsible for dealership onboarding recommendations through market analysis reports.
May be responsible for communication of relationship dissolution from the indirect program for non-preforming dealerships.
Ensure compliance with legal requirements, lending regulations and internal policies and procedures.
Maintain positive relationships with colleagues and business partners.
Maintain the highest level of confidentiality relative to information received directly or indirectly.
Adhere to all local, state, and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.
Maintain awareness of laws, rules, regulations, and policies and procedures which impact position duties and responsibilities.
Ability to independently analyze, research and resolve medium to high complexity problems.
Generate new and innovative ways to streamline processes.
Serve on project teams for expertise as a Subject Matter Expert (SME).
Serve as a resource or SME for the team.
Responsible for loan audits ensuring consistency with policies and procedures.
May be responsible for department training needs.
May be responsible for maintaining department manual and procedures.
Attend credit union training sessions, conferences, or seminars as approved by supervisor.
Display mutual respect, trust, and dignity, acting in the best interest of the credit union.
Lead by example by displaying solid ethics and integrity at all times.
Ensure that all issues are handled in a fair, legal, and consistent manner.