Essential Duties
• Leads the underwriting function in support of consumer lending goals, ensuring sound credit decisions, timely turnaround, and adherence to established policies, procedures, and lending limits.
• Supervises, coaches, and develops underwriters by setting expectations, providing guidance, monitoring quality, and fostering a collaborative, service-oriented team environment.
• Underwrites loans and more complex loan requests as needed by reviewing credit, income, collateral, and application data to evaluate financial risk and determine appropriate loan structure and documentation.
• Approves loans, exceptions, and modifications within assigned authority limits and recommends actions on requests outside of delegated authority.
• Reviews application data, decision trends, and underwriting statistics to identify opportunities, risks, and process improvements, and prepares reporting for leadership to support business decisions.
• Develops practical and creative underwriting solutions that support loan growth, cross-sell opportunities, and deeper member relationships while maintaining compliance and sound risk management.
• Partners with loan processing, branch leadership, and lending peers to promote a seamless member experience from application through decision and closing.
• Monitors underwriting workflows, service levels, and performance metrics to improve efficiency, consistency, and member satisfaction across all lending channels.
• Supports implementation and optimization of underwriting tools, systems, and vendor relationships to enhance decision quality and operational effectiveness.
• Maintains knowledge of market trends, fraud risks, and regulatory requirements affecting consumer lending and ensures the team operates in compliance with all applicable federal and state laws and regulations.
• Promotes strong working relationships across the organization through effective communication, positive influence, and commitment to the credit union's purpose, mission, and core values.
Key Behaviors for Success
• Demonstrates sound judgment and accountability in balancing member service with prudent risk management.
• Leads with a coaching mindset, building team capability, engagement, and consistency in underwriting decisions.
• Communicates clearly and professionally with team members, business partners, and leadership.
• Uses data and critical thinking to identify trends, solve problems, and improve underwriting processes.
• Builds strong cross-functional relationships and works effectively with partners across lending operations.
• Adapts quickly to change, manages multiple priorities effectively, and maintains a high level of accuracy and attention to detail.
Statement of Understanding

This job description is intended to provide a general overview of the essential duties, responsibilities, requirements, and working conditions associated with the position. It is not intended to be an exhaustive or comprehensive list of all tasks or responsibilities. The organization may assign additional duties or modify existing ones as needed, at its discretion. Job descriptions may be updated periodically to reflect business needs and organizational changes.

Reasonable accommodations may be made in accordance with the Americans with Disabilities Act (ADA) and other applicable laws, so long as such accommodations do not pose undue hardship to the organization or create significant health or safety risks.

Nothing in this job description should be construed as creating an employment contract, either expressed or implied. Employment remains at-will, meaning that either the team member or the organization may end the employment relationship at any time, for any reason not prohibited by law.