Lead Indirect Credit Officer (Underwriter)

SkyOne Federal Credit Union•Lewisville, TX

About The Position

SkyOne Federal Credit Union is seeking an experienced and strategic Lead Indirect Credit Officer (Underwriter) to help establish and grow our indirect auto lending program. This is a unique opportunity for a lending professional who combines strong underwriting expertise with an entrepreneurial mindset and a passion for relationship building. As a foundational member of the team, you will play a pivotal role in developing underwriting strategies, building dealer partnerships, creating scalable processes, and helping shape the future of indirect lending at SkyOne. This role offers the opportunity to grow into a formal leadership position as the program and team expand. In this role, you will serve as the primary decision-maker for indirect auto loan applications, evaluating creditworthiness, deal structure, collateral quality, and overall risk while maintaining a balance between portfolio growth and sound lending practices. You will exercise independent judgment in making credit decisions and ensure compliance with all applicable regulations, including ECOA, Fair Lending, BSA, and OFAC requirements. Just as importantly, you will communicate credit decisions effectively and professionally with dealer partners to foster trust and strong working relationships. Beyond underwriting, you will help design and implement SkyOne's indirect lending strategy. Working closely with executive leadership, you will develop underwriting guidelines, credit policies, risk frameworks, workflows, and operational procedures that support long-term growth and scalability. Your expertise will help identify opportunities to improve efficiency, optimize portfolio performance, and strengthen the overall lending process. As the subject matter expert for indirect lending, you will play an instrumental role in building the foundation for a successful and sustainable program. You will also serve as a key relationship manager for automotive dealer partners. This includes developing new dealer relationships, supporting onboarding efforts, providing guidance on loan submissions, and helping dealers understand performance expectations and program standards. Whether structuring complex transactions or resolving escalated situations, you will act as a trusted partner focused on delivering exceptional service and driving mutually beneficial results. Additionally, you will collaborate closely with processing, funding, and servicing teams to ensure a seamless experience throughout the loan lifecycle. By monitoring loan pipelines, funding conditions, dealer performance, and portfolio trends, you will help drive operational excellence while building the infrastructure needed to support future team growth, training, and leadership development.

Requirements

5+ years of indirect auto lending or consumer lending underwriting experience.
Strong expertise in credit analysis, risk assessment, and deal structuring.
Experience working with dealer networks and indirect lending channels.
Proven ability to make independent credit decisions and manage risk effectively.
Strong knowledge of regulatory requirements (ECOA, Fair Lending, etc.).
Excellent communication and relationship management skills.
Strong analytical and problem-solving skills.
Demonstrated ability to build and maintain effective working relationships with all levels of management, staff, and members.
Well-developed time management skills with the ability to manage multiple priorities.
Excellent verbal and written communication skills.
Ability to exercise discretion and independent judgment.
Must have a high level of interpersonal skills to handle sensitive and confidential situations. Position requires demonstrated poise, tact, and diplomacy.
Proficient knowledge of all Microsoft Office applications (Word, Excel, Power Point, Outlook).

Nice To Haves

Experience launching or building an indirect lending program or function.
Background in both underwriting and remote dealer relationship management.
Experience developing credit policies, guidelines, or operational workflows.
Familiarity with LOS platforms and indirect lending systems-- MeridianLink, RouteOne, DealerTrack, CUDL.

Responsibilities

Serve as the primary decision-maker for indirect auto loan applications, evaluating creditworthiness, deal structure, collateral quality, and overall risk.
Maintain a balance between portfolio growth and sound lending practices.
Exercise independent judgment in making credit decisions.
Ensure compliance with all applicable regulations, including ECOA, Fair Lending, BSA, and OFAC requirements.
Communicate credit decisions effectively and professionally with dealer partners.
Help design and implement SkyOne's indirect lending strategy.
Develop underwriting guidelines, credit policies, risk frameworks, workflows, and operational procedures.
Identify opportunities to improve efficiency, optimize portfolio performance, and strengthen the overall lending process.
Serve as a key relationship manager for automotive dealer partners.
Develop new dealer relationships.
Support onboarding efforts for new dealers.
Provide guidance on loan submissions to dealers.
Help dealers understand performance expectations and program standards.
Structure complex transactions.
Resolve escalated situations with dealer partners.
Collaborate closely with processing, funding, and servicing teams.
Monitor loan pipelines, funding conditions, dealer performance, and portfolio trends.
Build the infrastructure needed to support future team growth, training, and leadership development.