Credit Union of Southern California
Consumer Lending Underwriting Manager
Credit Union of Southern California, Anaheim, California, United States, 92808
Overview
Join to apply for the
Consumer Lending Underwriting Manager
role at
Credit Union of Southern California . Location: Anaheim Hills, CA. Hybrid-remote schedule (2 days in-office, 3 days remote). Business hours: Monday to Friday, 9:00 AM – 6:00 PM. The role may require working flexible hours, including occasional weekends and after-hours depending on business needs. Responsibilities
Lead and oversee the Underwriting Team, including training, development, motivation, counseling, delegation, communication, and discipline of team members. Assist Members and employees with loan-related situations and escalations. Assist Consumer Lending management in developing and implementing lending procedures, processes, and credit-risk management. Streamline the consumer loan underwriting process for efficiency and increase instant approvals using AI systems and FinTech. Review and analyze loan applications for accuracy, fraud screening, credit depth, pay history, and regulatory compliance. Maintain current knowledge of lending regulations and recommend changes to stay compliant. Monitor rate trends and provide market comparisons to stay competitive. Perform audits of underwriters and respond to internal and external auditor questions. Provide guidance to underwriters to ensure quality decisions and appropriate cross-selling based on eligibility and member qualifications. Hire, train, counsel, motivate, and discipline staff; set individual goals aligned with CU SoCal’s strategic plan; track and coach performance; write performance reviews; conduct monthly 1:1s; drive continuous improvement. Foster a positive work culture aligned with the organization’s brand, mission, and core values. Resolve member escalations, complaints, and concerns in a timely and positive manner. Develop system reports and analytics to monitor loan portfolio and team performance. Analyze reasons for charged-off loans and recommend guideline changes to minimize losses. Provide primary support to retail teams related to lending policy, guidelines, and product criteria. Understand and apply the Exceptional Experience Guide expectations. Additional duties as assigned. Qualifications
Minimum Qualifications
High school diploma or equivalent. 5+ years of experience in the financial industry. 3+ years of experience in consumer loan underwriting. 3+ years of experience in management. Experience with core banking and loan origination systems. Preferred Qualifications
Associate’s degree or equivalent. 7+ years of experience in the financial industry. 5+ years of experience in banking within consumer lending. 3+ years of experience in banking within consumer lending underwriting management. Exposure to AI-driven solutions and FinTech platforms. Skills and Abilities
Proficient in MS Office programs (Word, Excel, Outlook, Teams, etc.). In-depth knowledge of automated loan approval platforms using AI technology. Ability to motivate, coach, counsel, and train team members. In-depth knowledge of loan and deposit products. Ability to produce documents, spreadsheets, databases with Windows-based software; computer systems and data entry experience. Excellent written and verbal communication skills. Strong organizational skills. Benefits and Additional Information
CU SoCal is an equal opportunity employer. We support pay transparency and are a pay-for-performance organization that benchmarks base pay to the 50th percentile of market data. Pay Scale: Min $77,400 / Mid $99,736 / Max $118,976 per year. Actual compensation will be based on geographical location, work experience, education and/or skill level. CU SoCal reserves the right to modify this job description at any time, without notice. We foster an environment where ideas and decisions from all people help us grow, innovate, and fulfill our mission of
Building Better Lives .
#J-18808-Ljbffr
Join to apply for the
Consumer Lending Underwriting Manager
role at
Credit Union of Southern California . Location: Anaheim Hills, CA. Hybrid-remote schedule (2 days in-office, 3 days remote). Business hours: Monday to Friday, 9:00 AM – 6:00 PM. The role may require working flexible hours, including occasional weekends and after-hours depending on business needs. Responsibilities
Lead and oversee the Underwriting Team, including training, development, motivation, counseling, delegation, communication, and discipline of team members. Assist Members and employees with loan-related situations and escalations. Assist Consumer Lending management in developing and implementing lending procedures, processes, and credit-risk management. Streamline the consumer loan underwriting process for efficiency and increase instant approvals using AI systems and FinTech. Review and analyze loan applications for accuracy, fraud screening, credit depth, pay history, and regulatory compliance. Maintain current knowledge of lending regulations and recommend changes to stay compliant. Monitor rate trends and provide market comparisons to stay competitive. Perform audits of underwriters and respond to internal and external auditor questions. Provide guidance to underwriters to ensure quality decisions and appropriate cross-selling based on eligibility and member qualifications. Hire, train, counsel, motivate, and discipline staff; set individual goals aligned with CU SoCal’s strategic plan; track and coach performance; write performance reviews; conduct monthly 1:1s; drive continuous improvement. Foster a positive work culture aligned with the organization’s brand, mission, and core values. Resolve member escalations, complaints, and concerns in a timely and positive manner. Develop system reports and analytics to monitor loan portfolio and team performance. Analyze reasons for charged-off loans and recommend guideline changes to minimize losses. Provide primary support to retail teams related to lending policy, guidelines, and product criteria. Understand and apply the Exceptional Experience Guide expectations. Additional duties as assigned. Qualifications
Minimum Qualifications
High school diploma or equivalent. 5+ years of experience in the financial industry. 3+ years of experience in consumer loan underwriting. 3+ years of experience in management. Experience with core banking and loan origination systems. Preferred Qualifications
Associate’s degree or equivalent. 7+ years of experience in the financial industry. 5+ years of experience in banking within consumer lending. 3+ years of experience in banking within consumer lending underwriting management. Exposure to AI-driven solutions and FinTech platforms. Skills and Abilities
Proficient in MS Office programs (Word, Excel, Outlook, Teams, etc.). In-depth knowledge of automated loan approval platforms using AI technology. Ability to motivate, coach, counsel, and train team members. In-depth knowledge of loan and deposit products. Ability to produce documents, spreadsheets, databases with Windows-based software; computer systems and data entry experience. Excellent written and verbal communication skills. Strong organizational skills. Benefits and Additional Information
CU SoCal is an equal opportunity employer. We support pay transparency and are a pay-for-performance organization that benchmarks base pay to the 50th percentile of market data. Pay Scale: Min $77,400 / Mid $99,736 / Max $118,976 per year. Actual compensation will be based on geographical location, work experience, education and/or skill level. CU SoCal reserves the right to modify this job description at any time, without notice. We foster an environment where ideas and decisions from all people help us grow, innovate, and fulfill our mission of
Building Better Lives .
#J-18808-Ljbffr