Consumer Lending Underwriting Manager at Credit Union of Southern California

Anaheim, California, United States -

Full Time

Start Date

Immediate

Expiry Date

17 Dec, 25

Salary

118976.0

Posted On

19 Sep, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Consumer Lending, Underwriting, Team Management, Training, Coaching, Communication, Loan Origination, Credit Risk Management, AI Technology, Regulatory Compliance, Fraud Screening, Performance Monitoring, Data Analysis, Problem Solving, Organizational Skills, Microsoft Office

Industry

Financial Services

Description

Description We are hiring a Consumer Lending Underwriting Manager who will lead and oversee the Underwriting Team. In addition, will be responsible for training, development, motivation, counseling, delegating, communicating and discipline of team members. This position will assist Members and employees with any loan-related situations and escalations. This position is also responsible for assisting the Consumer Lending management in the development and implementation of lending procedures, processes and managing credit risks. Business Hours: Monday to Friday, 9:00AM - 6:00PM* *Based upon business needs, our positions may require working flexible hours, including weekends and after-hours. This position is based in Anaheim Hills CA with the opportunity to work on a hybrid-remote schedule which consists of 2 days in-office and 3 days working remote from home. Why Work at CU SoCal? CU SoCal is one of the fastest growing credit unions and is more than just a place to work. It’s a place where people come before profit, a place where you can build a career that’s more than a job, and where the work you do has meaning and purpose. We offer competitive pay, great health benefits and a culture like no other! CU SoCal is a Gallup Exceptional Workplace Award Recipient In 2025, Credit Union of Southern California (CU SoCal) was once again honored with the Gallup Exceptional Workplace Award, marking our second consecutive win and ranking us among the top workplaces worldwide for outstanding employee engagement! The CU SoCal culture fosters Building Better Lives for our Members, personal development, open communication, and genuine care for each other. We prioritize C.A.R.E. 4: professional competence, positive attitude, relationship building, and eager service to others. If you're passionate about making a difference and want to be part of a dynamic team, explore CU SoCal career opportunities today! Requirements Minimum Qualifications High school diploma or equivalent. 7+ years experience in the banking/credit union industry. 5+ years experience in consumer lending. 3+ years experience in Consumer Lending Management. Experience with core banking and loan origination systems. Preferred Qualifications Associates' degree or equivalent. Experience with core banking and loan origination systems, including exposure to AI-driven solutions and FinTech platforms. Skills and Abilities Proficient in all applicable MS Office programs (i.e., Word, Excel, Outlook, Teams, etc.). In depth knowledge in automated loan approval platforms using AI technology. Demonstrated ability to motivate, coach, counsel and train team members. In-depth knowledge of all loan/deposit products required. Demonstrated ability to produce documents, spreadsheets, databases, etc. with Windows-based software. Computer systems and data entry preferred. Excellent communication skills, both written and verbal. Sound organizational skills. Essential Duties and Responsibilities Serve as a role model for Credit Union of Southern CA leaders and staff by setting the example in managing for expected results. Streamline the consumer loan underwriting process for efficiency. Increase instant approvals by use of AI systems and Fintech. Work towards minimizing the approval of fraudulent and/or credit risk applications. Review and analyze loan applications for accurate ratios, fraud screening, credit depth, pay history, and information to ensure quality and regulatory compliance. Maintain working knowledge of lending regulations and recommend changes as needed to stay compliant. Monitor rate trends within the industry and provide comparisons to stay competitive in the market. Perform audits of individual underwriters; handle internal and external auditor questions and requests. Provide guidance to underwriters to ensure quality underwriting decisions are consistent and appropriate products are cross sold based on eligibility and Member qualification. Responsible for hiring, training, counseling, motivating, and disciplining; determining individual goals, based on CU SoCal’s strategic plan, and tracking, monitoring and coaching for performance. Write individual performance reviews, conduct monthly 1:1s, drive continuous focus and improvement. Foster team engagement by encouraging a positive work culture that aligns with our organization’s brand, mission and core values. Resolve Member escalations, complaints and concerns timely and positively. Develop system reports and analytics to assist in monitoring loan portfolio and team performance. Analyze the reasons for charged off loans and recommend guideline changes to minimize losses. Provides primary support to retail teams related to lending policy, guidelines and product criteria. Complete understanding and active application the Exceptional Experience Guide expectations. Must be able and available to work a “hybrid” schedule, per business operations requirement, as needed. Additional duties and responsibilities, as assigned. We support Pay Transparency and are a pay-for-performance organization that benchmarks base pay to the 50th percentile of market data. Pay Scale: Min $77,400 / Mid $99,736 / Max $118,976* per year *Actual compensation will be based on geographical location, work experience, education and/or skill level. CU SoCal is an equal opportunity employer. All decisions are based only on the individual’s qualifications/ability to perform the work. The above statements are intended to describe the essential functions, nature and level or work to be performed as of the document preparation date; they are not intended to be an exhaustive list of all duties and responsibilities. CU SoCal reserves the right to modify this job description at any time, without notice. We foster an environment and culture where ideas and decisions from all people help us grow, innovate, and fulfill our mission of Building Better Lives.

Responsibilities

The Consumer Lending Underwriting Manager will lead the Underwriting Team, ensuring efficient loan underwriting processes and compliance with lending regulations. This role also involves training and developing team members while managing escalations and credit risks.