Consumer Loan Assistant Manager Underwriting

SESLOC Federal Credit Union Inc.; San Luis Obispo (CA); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Competitive pay

Health benefits

Retirement plan

Job summary

SESLOC Federal Credit Union Inc. is seeking an experienced Consumer Loan Assistant Manager/Underwriting to lead our Consumer Loan Underwriting team in delivering responsible loan growth and member-focused service.

The role combines leadership with hands-on underwriting, reviewing complex applications, and guiding credit decisions in accordance with policy and regulations. HELOC origination support is part of the portfolio, ensuring quality and efficiency across the lending function.

Qualifications

• 3+ years of consumer loan underwriting experience.
• Experience with consumer loan products including direct lending, indirect lending, and HELOCs.
• Leadership or mentoring experience preferred.

Responsibilities

• Provide day-to-day leadership and support for the Consumer Loan Underwriting team.
• Review complex loan applications and provide guidance on credit decisions, risk assessment, and policy interpretation.
• Coach, develop, and support team members to ensure high-quality, compliant lending decisions.
• Monitor workflow, service levels, productivity, and underwriting quality while driving continuous improvement.
• Partner with leaders across the organization to support compliance, risk management, and member experience.
• Assist with consumer loan underwriting and credit decisioning as needed to support workflow demands.
• Support HELOC origination activities as a registered Mortgage Loan Originator (MLO).

Skills

Consumer loan underwriting

Credit analysis

Leadership

Policy interpretation

Job description

Consumer Loan Assistant Manager/Underwriting

At SESLOC, the people make the place. Rooted in academics and locally headquartered for over 80 years, we believe great member experiences start with engaged employees. We foster a collaborative, supportive culture where employees are empowered to grow, contribute, and make a meaningful impact on our members and communities. We are seeking an experienced lending professional to help lead our Consumer Loan Underwriting team while supporting responsible loan growth, operational excellence, and exceptional member service.

What You'll Do

• Provide day-to-day leadership and support for the Consumer Loan Underwriting team.
• Review complex loan applications and provide guidance on credit decisions, risk assessment, and policy interpretation.
• Coach, develop, and support team members to ensure high-quality, consistent, and compliant lending decisions.
• Monitor workflow, service levels, productivity, and underwriting quality while driving continuous improvement efforts.
• Partner with leaders and business units across the organization to support compliance, risk management, and an exceptional member experience.
• Assist with consumer loan underwriting and credit decisioning as needed to support workflow demands, service levels, and member needs.
• Support HELOC origination activities as a registered Mortgage Loan Originator (MLO).

Key Qualifications

• Three or more years of consumer loan underwriting experience with strong credit analysis and lending decision-making skills.
• Experience underwriting consumer loan products, including direct lending, indirect lending, and HELOCs.
• Previous leadership, lead, supervisory, mentoring, or coaching experience preferred.
• Strong knowledge of consumer lending regulations, underwriting practices, risk assessment, and portfolio quality standards.
• Ability to balance leadership responsibilities while maintaining hands-on involvement in underwriting activities.
• Excellent communication, relationship-building, problem-solving, and decision-making skills.
• Credit union or financial institution experience preferred.

Why Join Us?

At SESLOC, you'll join a collaborative team that values integrity, accountability, service excellence, and continuous improvement. This role offers the opportunity to influence lending quality, operational performance, employee development, and the member experience while serving as both a leader and subject matter expert. You'll work alongside talented professionals who are committed to helping one another succeed and serving our members and communities. We offer competitive pay, comprehensive health and wellness benefits, retirement savings opportunities, paid time off, and ongoing professional development support.

EOE

All job offers extended to final candidates at SESLOC Credit union are conditional pending the successful completion and acceptable results of background checks and signing an Arbitration Agreement as a condition of employment. Background checks include a bond check, a credit check, a criminal history check, reference checks. Signing an Arbitration Agreement is a condition of employment.