CONSUMER UNDERWRITING SUPERVISOR

SANDIA AREA FEDERAL CREDIT UNION•Albuquerque, NM

7d•Onsite

About The Position

The Consumer Underwriting Supervisor oversees underwriting operations for consumer and real estate loans, ensuring credit decisions align with the credit union’s lending policies, risk tolerance, and strategic goals. Reporting directly to the Vice President Lending, this role leads a team of underwriters, monitors loan quality, and ensures regulatory compliance while supporting efficient turnaround times and exceptional member service. The position requires accuracy, knowledge of consumer lending regulations, and confidentiality and integrity in the lending process. This is a full-time, onsite position at the Rutledge Operations Center in Albuquerque, New Mexico. The required schedule is Monday to Friday, 8:30 AM to 5:30 PM, with rotating Saturdays from 8:30 AM to 1:30 PM. Travel is minimal. The role is categorized as Banking. Sandia Area Federal Credit Union describes its mission as delivering high-value banking and lending services that strengthen the financial well-being of its members and community. Team members are expected to embody Service, Sustainability, Efficiency, Trust, Stewardship, and Growth.

Requirements

Associate's degree in a related field; directly related experience may be considered as a substitution.
Prior financial institution experience, including progressive responsibilities in consumer lending.
Technical study of loan practices.
Expertise in underwriting consumer and real estate loans and understanding of financial institution operations.
Strong knowledge of credit analysis, income calculation, and debt-to-income evaluation.
Knowledge of regulatory requirements related to consumer and mortgage lending.
Experience with automated underwriting systems and loan origination platforms.
Strong analytical, decision-making, and problem-solving skills.
Excellent interpersonal, communication, and leadership skills, including the ability to convey goals, set expectations, provide feedback, and develop teams.
Ability to analyze data and metrics to drive team performance and efficiency.
Strong time-management and organizational skills, including prioritization, oversight of multiple functions, and adaptability to operational demands.
Ability to handle difficult situations using interpersonal skills and emotional intelligence.
Ability to work independently, collaborate effectively, and demonstrate attention to detail.
Proficiency in Microsoft Office, including Outlook, Word, Excel, and PowerPoint.
Ability to perform essential functions, including lifting up to 10 pounds as needed.
Must be in good standing with the Nationwide Mortgage Licensing System and Registry.

Nice To Haves

General knowledge of credit unions or financial institutions and their operations.

Responsibilities

Provide leadership, coaching, and mentorship to employees, fostering a positive, high-performing team aligned with organizational goals and priorities.
Manage day-to-day operations, establish strategies, and monitor progress against departmental and organizational objectives.
Ensure efficient lending activities and rapid turnaround times for loan decisions.
Oversee Lending Center and underwriter queues to ensure timely loan review.
Guide complex credit decisions, including exceptions and interpretations of lending policies.
Provide second-level review of loan applications requiring higher-level approval authority.
Monitor loan quality and ensure compliance with regulatory requirements.