Consumer Loan Underwriting ManagerThis is an exciting opportunity to lead a talented underwriting team while shaping the future of consumer lending at one of the Pacific Northwest's most respected credit unions.
About the RoleAs the
Consumer Loan Underwriting Manager, you will provide strategic leadership and operational oversight for Harborstone's consumer lending and underwriting functions. You'll lead and develop supervisors and underwriting teams while ensuring sound lending decisions, regulatory compliance, operational efficiency, and outstanding member experiences.
This role combines leadership, analytics, lending expertise, process improvement, and cross-functional collaboration to ensure Harborstone's consumer lending operations consistently exceed expectations.
What You'll DoLead & Develop Exceptional Teams- Coach, mentor, and inspire supervisors and underwriting staff
- Build a culture of accountability, engagement, and continuous learning
- Conduct performance reviews, career development planning, and regular coaching sessions
- Lead and support a hybrid workforce using effective leadership tools and technology
- Ensure staffing, scheduling, and service levels meet organizational goals
Drive Lending Excellence- Oversee all consumer loan underwriting activities and automated decision systems
- Provide guidance on complex lending decisions and escalations
- Ensure loan decisions align with Harborstone policies, risk appetite, and regulatory requirements
- Maintain high-quality underwriting standards across all consumer loan products, including:
- Auto Loans
- Motorcycle Loans
- Recreational Vehicle Loans
- Boat Loans
- HELOCs
- Secured Loans
- Unsecured Loans
Champion Operational Performance- Monitor lending production, quality, service levels, and key performance indicators
- Manage departmental budgets and resources effectively
- Lead lending-related projects, system enhancements, and strategic initiatives
- Partner with leaders across the organization to improve lending processes and member outcomes
- Conduct testing and implementation support for system upgrades and enhancements
Deliver Outstanding Member Experiences- Resolve complex member concerns with professionalism and empathy
- Partner with branches, dealers, contact center teams, and stakeholders to ensure a seamless lending experience
- Build and maintain strong dealer relationships that support growth and profitability
- Represent Harborstone with auditors, examiners, legal partners, and industry organizations
Drive Continuous Improvement & Compliance- Evaluate processes and identify opportunities to improve efficiency and service delivery
- Ensure compliance with federal and state lending regulations, BSA requirements, and internal controls
- Conduct quality reviews and audits to maintain lending excellence
- Monitor market trends and economic conditions to proactively inform lending strategies
- Recommend policy and procedural improvements that enhance operational effectiveness
What Success Looks LikeIn this role, you will:
- Build and maintain a highly engaged, high-performing underwriting team
- Meet or exceed production goals and service-level commitments
- Ensure completion of annual Departmental Lending Procedure (DLP) reviews
- Maintain strong compliance and audit performance
- Improve operational efficiency through process enhancements
- Support Harborstone's mission, vision, and values in every interaction
What You'll BringRequired Qualifications- 5+ years of consumer loan underwriting experience within a financial institution
- 3+ years of leadership experience managing teams
- Bachelor's degree or equivalent combination of education and experience
- Strong understanding of consumer lending practices and underwriting principles
- Knowledge of federal and state lending regulations
- Exceptional communication, leadership, and relationship-building skills
- Strong analytical, problem-solving, and decision-making abilities
- Experience managing multiple priorities in a fast-paced environment
- Proficiency with Microsoft Office Suite (Outlook, Excel, Word)
- Ability to calculate APRs, debt-to-income ratios, loan values, discounts, and related lending metrics
- Ability to maintain confidentiality and be bondable
Preferred Qualifications- Bilingual, particularly Spanish-speaking
- Additional lending, leadership, or financial services certifications and training
- Experience with Loan Origination Systems (LOS) and lending technology platforms
Physical & Schedule Requirements- Flexible availability Monday through Sunday, including occasional meetings and events outside normal business hours
- Ability to communicate effectively in person, electronically, and in writing
- Ability to sit or stand for extended periods
- Occasional lifting of supplies up to 25 pounds
- Ability to bend, stoop, squat, and reach when necessary
Apply today and help us build dreams, change lives, and shape the future of consumer lending at Harborstone Credit Union.FLSA-EXEMPT 
