CONSUMER UNDERWRITING SUPERVISOR

Sandia Area Federal Credit Union; Albuquerque (NM); On-site; USD 70,000 - 120,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Disability Insurance

Life Insurance

AD&D

Holiday Pay

Vacation

Sick Leave

Tuition Reimbursement

401(k) Match

Pension Plan

Career Advancement

Job summary

Sandia Area Federal Credit Union in Albuquerque, NM, is seeking a Consumer Underwriting Supervisor to lead underwriting operations for consumer and real estate loans. You will ensure sound credit decisions in line with lending policies, regulatory requirements, and risk tolerance, while delivering excellent member service.

Reporting to the Vice President Lending, you will manage a team of underwriters, monitor loan quality, and drive efficiency, quality, and compliance across daily activities

Qualifications

• Experience underwriting consumer and real estate loans.
• Strong knowledge of credit analysis and income calculations.
• Familiarity with lending regulations and credit union operations.
• Experience with automated underwriting systems.
• Must meet NMLS requirements and maintain compliance.

Responsibilities

• Provide leadership and mentorship to underwriting staff.
• Oversee day-to-day underwriting operations and policy adherence.
• Ensure rapid but accurate loan review and decision making.
• Guide complex credit decisions and exceptions.
• Perform second-level review on higher authority loan requests.

Skills

Underwriting expertise

Credit analysis

Debt-to-income evaluation

Regulatory knowledge

Leadership

Data analysis

Microsoft Office

Loan origination platforms

Decision making

Education

Associate degree

Tools

Microsoft Office

Automated underwriting systems

Loan origination platforms

Job description

Job Details: Job Location: Albuquerque, NM 87109, Position Type: Full Time, Education Level: 2 Year Degree or Experience, Travel Percentage: Minimal Travel, Job Shift: Day, Job Category: Banking, Location: Albuquerque, NM 87109

Required work schedule: (not a remote or hybrid position)

• Monday to Friday: 8:30 AM to 5:30 PM
• Rotating Saturdays: 8:30 AM to 1:30 PM

As a valued full-time team member, you'll enjoy fantastic benefits that promote your health and well-being:

• Comprehensive Medical, Dental, and Vision Insurance
• Paid Short-Term Disability, Life Insurance, and AD&D
• Holiday Pay, Vacation, Birthday, Floating Holiday & Sick Leave
• Tuition Reimbursement for Professional Development
• 401(k) Plan with Employer Match
• Pension Plan for Long-term Security
• Exciting Opportunities for Career Advancement

Overall Purpose:

At Sandia Area, every position plays a vital role in fulfilling our mission to deliver high-value banking and lending services that strengthen the financial well‑being of our members and community. Each team member is expected to embody our core values of Service, Sustainability, Efficiency, Trust, Stewardship, and Growth, contributing to our vision of empowering lifelong achievement through better banking.

Reporting directly to the Vice President Lending, the Consumer Underwriting Supervisor is responsible for overseeing the underwriting operations for consumer and real estate loans, ensuring sound credit decisions that align with the credit union's lending policies, risk tolerance, and strategic goals. The Manager leads a team of underwriters, monitors loan quality, and ensures compliance with regulatory requirements while supporting efficient loan turnaround times and exceptional member service. This position requires a high level of accuracy, knowledge about consumer lending regulations, and the ability to maintain confidentiality and integrity in the lending process.

Responsibilities

• Provide leadership, coaching, and mentorship to employees, fostering a positive and high‑performing team environment while ensuring alignment with organizational goals and priorities.
• Responsible for day‑to‑day operations, establishing strategies, and monitoring progress to ensure alignment with departmental and organizational objectives.
• Ensure maximum efficiency of lending activities and rapid turnaround time on loan decisions.
• Oversee Lending Center queues and underwriter's personal queues to ensure timely loan review.
• Provide guidance on complex credit decisions, including exceptions and policy interpretations.
• Provide second‑level review on loan applications requiring higher‑level approval authority.

Qualifications: Knowledge, Skills, and Abilities (KSAs)

• Expertise in underwriting consumer and real estate loans; with a requisite understanding of financial institution operations
• Strong knowledge of credit analysis, income calculation, and debt‑to‑income evaluation.
• Familiarity with credit union lending philosophy and member‑focused service model.
• Knowledge of regulatory requirements related to consumer and mortgage lending.
• Experience with automated underwriting systems and loan origination platforms.
• Strong analytical, decision‑making, and problem‑solving skills
• Excellent interpersonal, communication, and leadership skills to convey goals, set expectations, provide feedback, and inspire and develop teams.
• Exceptional leadership and team development skills, fostering a high‑performance culture through coaching, mentorship, and employee engagement.
• Strategic thinking capabilities to align team efforts with departmental and organizational goals.
• Ability to analyze data and metrics to drive team performance and efficiency.
• Exceptional time management and organizational skills, with the ability to prioritize objectives, oversee multiple functions, and adapt to operational demands.
• Willingness to engage in difficult situations using outstanding interpersonal skills and emotional intelligence.
• Passionate about teamwork and having a positive influence on others; ability to work independently and demonstrate attention to detail.
• Proactive in seeking professional growth, embracing both formal and informal development opportunities, and demonstrating adaptability to new responsibilities.
• Team‑oriented with a strong collaborative mindset, actively supporting team members and contributing to a positive and high‑performing environment.
• Proficient in Microsoft Office, including Outlook, Word, Excel, and PowerPoint.
• Ability to perform essential functions, including the ability to lift up to ten (10) lbs. as needed.

Minimum Education and Experience requirements

• Associate's degree in related field.
• Directly related experience, in addition to minimum years required, may be considered as a substitution.
• Prior financial institution experience, including progressive responsibilities in consumer lending required.
• Technical study of loan practices required.
• General knowledge of credit unions or financial institutions and operations preferred
• Must be in good standing with the Nationwide Mortgage Licensing System and Registry.

Sandia Area Federal Credit Union (SAFCU) is an Equal Opportunity Employer.

Sandia Area Federal provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.