Senior Consumer Underwriting Leader - Loans Up To $3M

Origin Bank; Tyler (TX); On-site; USD 85,000 - 120,000; Full time

Job summary

Origin Bank is seeking an experienced Consumer/Business Lending Underwriter with leadership responsibilities to oversee centralized underwriting, approve loans up to $3,000,000, and coordinate documentation across teams. You will guide underwriting policies and ensure regulatory compliance while mentoring staff.

The role requires strong knowledge of consumer credit, risk assessment, and collaboration with Mortgage and Private Banking units to ensure loan quality and profitability.

Qualifications

• Bachelor's degree in Accounting or Finance from a four-year college; eight to ten years related credit experience in banking/financial industry.

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 all aspects of 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

Education

Bachelor's degree in Accounting or Finance

Tools

Microsoft Word

Excel

PowerPoint

QuickBooks

Job description

Origin Bank is seeking an experienced Consumer/Business Lending Underwriter with leadership responsibilities to oversee centralized underwriting, approve loans up to $3,000,000, and coordinate documentation across teams. You will guide underwriting policies and ensure regulatory compliance while mentoring staff.

The role requires strong knowledge of consumer credit, risk assessment, and collaboration with Mortgage and Private Banking units to ensure loan quality and profitability.