Senior Consumer Underwriter Manager – Lead & Grow Lending

Origin Bank; Dallas (TX); On-site; USD 95,000 - 130,000; Full time

Job summary

Origin Bank in Dallas, TX is seeking a seasoned consumer loan underwriter to lead centralized underwriting for consumer credits up to $3,000,000. You will oversee loan packaging, document coordination, and alignment with policy standards.

This role directs a team of underwriters, delivers training, ensures compliance with fair lending and regulations, and partners with the private banking mortgage unit as needed.

Qualifications

• Bachelor's degree in Accounting or Finance preferred; eight to ten years related credit experience in banking/financial industry required.
• Strong knowledge of consumer credit underwriting and industry best practices; able to develop policies to improve efficiency and profitability.
• Experience supervising consumer underwriter associates; leadership and training capabilities required.

Responsibilities

• Develops, implements and administers all aspects of the bank's centralized consumer lending process; including approving loans up to $3,000,000 that exceed the loan authority of Relationship Managers.
• Develops, implements, and administers the consumer lending support activities of the department, including managing the bank's consumer credit packages, pipeline reporting, application tracking, and coordination of loan documents with Centralized Loan Processing.
• Develops and maintains advanced knowledge of consumer credit scoring and underwriting industry best practices and recommends policies and procedures that will increase efficiency, improve decisioning, and maximize profitability of consumer lending.
• Directly supervises activities of consumer underwriter associates as they relate to departmental functions
• Ensures departmental activities run smoothly and efficiently by providing leadership, training and supervision.
• Develops and implements policies and procedures that will ensure the effectiveness and productivity of the Business and Consumer Lending Services Department's consumer lending activities.
• Provides all reporting, information requests, and data for Compliance, Audit and Examiners as needed throughout the year for all consumer loan underwriting activities.
• Monitors all consumer loan activity and decisions to ensure compliance with all Fair Lending and other regulatory requirements.
• Manages and trains residential mortgage underwriters for Private Banking Mortgages.
• Ensures Private banking mortgage underwriting team underwrites the loans originated in Origin Bank's Portfolio channel
• Develop, implement, and maintain process and guideline changes with Private Banking programs.
• Directly manages the work queues for the private banking Underwriting department, assigns loans to the underwriting staff and makes recommendations to senior management on staffing levels.
• Monitors credit and underwriting requirements and makes recommendations on internal underwriting policies and procedures.
• Underwrites complex and special program loan applications and makes recommendations to senior management on associated risk characteristics
• Administers relevant credit policies

Skills

Consumer lending

Underwriting supervision

Regulatory compliance

Leadership

Education

Bachelor's degree in Accounting or Finance

Tools

Excel

PowerPoint

QuickBooks

Outlook

Job description

Origin Bank in Dallas, TX is seeking a seasoned consumer loan underwriter to lead centralized underwriting for consumer credits up to $3,000,000. You will oversee loan packaging, document coordination, and alignment with policy standards.

This role directs a team of underwriters, delivers training, ensures compliance with fair lending and regulations, and partners with the private banking mortgage unit as needed.