Consumer Loan Underwriting Manager

Jobtailor; Duluth (MN); On-site; USD 80,000 - 105,000; Full time

Job summary

Jobtailor in Minnesota is seeking an experienced Senior Underwriter Supervisor to lead the underwriting function for our consumer lending portfolio. You will guide decisions, ensure policy compliance, and drive timely loan approvals while maintaining credit quality.

In this role you will coach and develop underwriters, analyze loan data and trends, collaborate with processing and branches, and implement improvements to tools and processes to enhance efficiency and member experience.

Qualifications

• 5+ years of consumer lending or underwriting experience.
• 2+ years of leadership or supervisory experience.
• Strong understanding of underwriting principles and policies.
• Experience analyzing loan data and performance metrics.
• Proficiency in Microsoft Office applications.
• Experience with lending systems such as Symitar and L360.

Responsibilities

• Leads the underwriting function to support consumer lending goals.
• Supervises, coaches, and develops underwriters.
• Underwrites loans and complex requests using data to assess risk.
• Approves loans and exceptions within authority limits.
• Reviews data trends and prepares leadership reports.
• Develops underwriting solutions to grow loans and relationships.
• Partners with processing, branches, and peers for a seamless experience.
• Monitors workflows and performance metrics to improve efficiency.
• Supports tools, systems, and vendor relationships for decision quality.
• Keeps current on market trends, fraud risks, and regulations.
• Promotes collaboration and alignment with the credit union values.

Skills

Credit analysis

Leadership

Regulatory compliance

Data analysis

Microsoft Office

Tools

Symitar

L360

Microsoft Excel

Word

PowerPoint

Job description

Responsibilities

• 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.

Requirements

• 5+ years of consumer lending or underwriting experience required, including demonstrated experience making sound credit decisions.
• 2+ years of leadership or supervisory experience preferred, including coaching, performance management, and team development.
• Strong understanding of underwriting principles, loan structuring, lending policies, and applicable regulatory requirements.
• Experience analyzing loan data, underwriting trends, and performance metrics to support operational and business decisions.
• Proficiency in Microsoft Office applications, including Excel, Word, and PowerPoint.
• Experience with lending systems such as Symitar and L360 preferred.