Senior Consumer Lending Underwriter & Credit Supervisor

VyStar Credit Union; Jacksonville (FL); On-site; USD 90,000 - 130,000; Full time

Job summary

VyStar Credit Union, headquartered in Jacksonville, Florida, seeks a Consumer Lending Underwriting & Credit Supervisor to manage and mentor the consumer lending underwriters. The role drives loan growth, maintains portfolio quality, and ensures compliance across digital, mobile, branch, and call center channels.

The position requires a bachelor’s degree and 5+ years in lending with strong leadership, coaching, and analytical skills to optimize risk-adjusted returns and customer experience.

Qualifications

• A bachelor’s degree in business or related field is required.
• A minimum of five years of loan origination experience and five years lending authority in a financial institution is required.
• Experience leading a team and managing to achieve business plan results.
• Technical Experience: Extensive knowledge of Microsoft Word, Excel, PowerPoint, CMS Supervisor, Verint, Meridian Link, Atlas, Report Portal, Evolve is preferred.
• Applicants must exhibit positive, well developed communication skills, both written and oral, be detail oriented, have good organizational and active listening skills, possess a strong ability to multitask and prioritize work in a fast-paced environment, and have a proven ability to work with others.
• Must have professional conduct, appearance and be self-motivated.

Responsibilities

• Oversee Lending Services underwriting teams to meet or exceed annual operating plans and goals for loan volume, portfolio growth, net interest income, membership growth, delinquency, and loan loss ratios.
• Supervise the day-to-day operations of the Lending Services underwriting business unit.
• Write and conduct employee performance reviews, loan reviews, and provide ongoing coaching and performance feedback.
• Develops, coaches, and trains credit underwriters through the underwriter loan authority progression steps to include Underwriter I, II and Senior Credit Underwriter.
• Facilitates periodic roundtable training exercises for Underwriters and Quality Assurance Loan Analysts.
• Trains Sr. Underwriters and Underwriters on the Loan Deferment Team on Consumer TDR policies and procedures and proper use of the collection and record retention platforms utilized in the processing of loan modifications to remain in compliance with federal and state regulations.

Skills

Team leadership

Analytical skills

Underwriting experience

Regulatory knowledge

Communication skills

Coaching and training

Process improvement

Data analytics

Decision making

Education

Bachelor’s degree in business or related field

Tools

CMS Supervisor

Verint

Meridian Link

Atlas

Report Portal

Evolve

Job description

VyStar Credit Union, headquartered in Jacksonville, Florida, seeks a Consumer Lending Underwriting & Credit Supervisor to manage and mentor the consumer lending underwriters. The role drives loan growth, maintains portfolio quality, and ensures compliance across digital, mobile, branch, and call center channels.

The position requires a bachelor’s degree and 5+ years in lending with strong leadership, coaching, and analytical skills to optimize risk-adjusted returns and customer experience.