Consumer Underwriting Supervisor

First Financial Bank; Cincinnati (OH); On-site; USD 74,000 - 100,000; Full time

Benefits offered by this job

Benefits Guide

Incentive eligibility

E-Verify Employer

Job summary

First Financial Bank is seeking a Supervisor for Consumer Lending Underwriting to oversee underwriting of consumer real-estate loans. The role reports to the Director of Consumer Lending Fulfillment and drives policy adherence, service levels, and loan quality.

The position combines leadership with hands-on underwriting oversight, focusing on efficient pipeline management and team development within a regulated banking environment.

Qualifications

• Bachelor’s degree or equivalent experience.
• Minimum 3–5 years underwriting experience.
• Minimum 2–5 years management experience.
• Demonstrated leadership capabilities.
• Knowledge of mortgage process and mortgage documents.
• Proficient in Microsoft Office and document handling.

Responsibilities

• Supervises Consumer underwriting and ensures high loan quality.
• Maintains exceptional customer service for internal and external customers.
• Ensures adherence to policies, procedures, and regulatory requirements.
• Manages pipeline and communicates policy updates and trends to team members.
• Mentors staff, conducts performance reviews, and coaches for improvement.
• Addresses consumer concerns and ensures timely issue resolution.

Skills

Underwriting leadership

Mortgage process knowledge

Regulatory compliance

Analytical skills

Verbal & written communication

Team mentorship

Education

Bachelor’s Degree or equivalent experience

Tools

Microsoft Word

Microsoft Excel

Adobe Acrobat

FNMA DO/DU

GUS

FHLMC LP

Job description

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written!

This role reports to the Director of Consumer Lending Fulfillment and will supervise the underwriting for consumer lending real‑estate loans. The supervisor will help to ensure company goals, initiatives, and expectations are being met for consumer origination functions. This includes adherence to overall company policy, procedures, productivity requirements, expected customer service levels, productivity metrics, industry guidelines and regulations.

Essential Functions/Responsibilities

Supervises Consumer underwriting, ensures superior customer service to both our internal and external customers, ensures exceptional loan quality and attention to detail is maintained on every file, and service level expectations are met or exceeded on a daily basis. Focuses on individual production with goals set by the Mortgage and Consumer Fulfillment Manager. Effectively communicate both company policy and procedure (P&P) updates as well as industry trends and regulatory changes to team members in a timely and professional fashion. Ensures Consumer related issues (processes, employee, etc.) are communicated to the Fulfillment Manager in a timely manner. Ensures loans are underwritten within the standards and exceeds expectations in loan quality. Monitors loan origination system and reports to advise and provide direction for pipeline management to ensure balance in workloads as well as efficiency in production. Assists with team meetings by identifying and proposing timely meeting/training topics as well as presenting when needed. Ensures exceptional customer service by maintaining a thorough knowledge of lending programs, policies, procedures, and regulatory requirements, while demonstrating a commitment to professional ethics and complying with all Federal, State, Investor/Agency and company requirements. Assists in the creation of documents, process and policy as it relates to the Consumer Underwriting and Processing functions. This includes identifying process improvement opportunities, working with various stakeholders and departments to collaborate solutions. Mentors team members and assists with training, performance management issues, and finding solutions to trending department issues/concerns. This includes effectively administering performance reviews, corrective action, and coaching in partnership with the Mortgage and Consumer Fulfillment Manager. Responsible for assisting team members in finding solutions to challenging scenarios or loan conditions with the ability to find creative and acceptable solutions for restructuring loans. Addresses, resolves and swiftly responds to consumer concerns related to loan origination as needed. Functions/Responsibilities as listed for Consumer Underwriter III Other duties as assigned.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• Bachelor’s Degree or equivalent experience
• Minimum of 3-5 years of underwriting experience.
• Minimum of 2-5 years of management experience.
• Demonstrated leadership capabilities.
• Knowledge of mortgage process and mortgage documents.
• Ability to adapt well to change.
• Demonstrate responsibilities for multi-faceted direction and planning; must be a fast-paced individual.
• Exceptional verbal and written communication skills.
• Excellent analytical and organizational skills.
• Detail-oriented.
• Ability to take direction and comprehend training.
• Ability to work closely within a team structure.
• Working knowledge of Microsoft Suite, specifically Word and Excel, to include Adobe Acrobat and possess a strong appetite to learn and be a leader in technology tools and efficiencies.
• Working knowledge of FNMA DO/DU, GUS, and FHLMC LP.
• Must have overall Processing/Underwriting knowledge of how to read , income tax returns, credit reports, etc.
• Ability to manage and handle a large volume of originations while performing effective pipeline management.

Preferred Knowledge and Skills Level of Complexity and Scope Degree of Independence and Decision-Making Required

Supervisory Responsibilities Responsible for providing employees timely, candid and constructive performance feedback; developing employees to their fullest potential; developing the appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments. Assist in the development of appropriate talent pool to ensure adequate bench strength and succession planning.

Physical Requirements Compliance Statement

The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Development and Training Pay Range

$74,000- $100,000/annually

Benefits

We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide.

Incentive Eligibility

All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.

At first financial bank, our mission is clear: to be the best bank to do business with, the best place to work, and the best financial partner for our shareholders and the communities we serve. We believe that how we work is just as important as what we achieve. That’s why we’re guided by core values that shape everything we do: Doing the right thing Teamwork Mutual respect Wellbeing Excellence Our success starts with our people. We know that when our associates are talented, engaged, and supported, they create outstanding results. If you're looking to be part of a team that values integrity, inclusion, and collaboration—and where your growth matters—you’ll find your future here.