WEOKIE Federal Credit Union · 1 day ago
Consumer Loan Underwriting Manager
Oklahoma City, OK, US
Full-time
Onsite
Mid, Senior Level
3+ years expWEOKIE Federal Credit Union is seeking a Consumer Loan Underwriting Manager to provide strategic leadership and oversight of the consumer loan underwriting team. This role involves ensuring compliant lending decisions, managing credit risk, and collaborating with the VP of Consumer Lending to grow the loan portfolio while maintaining high quality and service standards.
BankingFinancial Services
Responsibilities
Provides daily leadership for underwriting operations to meet production, quality, risk, and turnaround expectations
Ensures consistent application of lending policies, procedures, and standards to deliver excellent member service and high-quality loan decisions
Actively develops underwriters to make sound, consistent decisions, explain reasoning, restructure loans, offer alternatives within guidelines, and recommend suitable programs
Collaborates closely with the VP of Consumer Lending to ensure assigned business units operate efficiently, reliably, and in full compliance with laws, regulations, and internal controls to mitigate risk
Supports adherence to fair lending laws and assists with organization-wide training and monitoring efforts
Contributes to developing and executing unit strategies, plans, budgets, and performance measurements to drive results while maintaining loan quality
Continuously identifies opportunities to improve processes to deliver accurate, compliant, service-focused, and cost-effective operations
Monitors and manages credit risk through reporting, analytics, and proactive portfolio oversight
Leverages data-driven insights and AI-powered analytics, including predictive modeling and automated risk scoring to evaluate lending performance, detect early warning sign of portfolio stress, loan quality, delinquency levels, and risk appetite, ensuring the Credit Union achieves sustainable growth with minimal delinquency, in alignment with the overall strategy of the VP of Consumer Lending
Collaborates with auditors, regulatory agencies, and third-party lending partners; assists with vendor management and oversight
Prioritizes partnerships and technology solutions, including Zest AI, Meridian Link, and other advanced tools to improve underwriting consistency, reduce bias, enhance risk management, and operational efficiency
In collaboration with the VP of Consumer Lending, develops and implements new lending programs to meet member financial needs, enhance financial well-being, and align with the Credit Union’s strategic goals
Continuously reviews lending processes and programs to drive innovation, transformation, and sustainable portfolio growth in alignment with organizational objectives
Supports consumer lending training initiatives across the organization
Underwrites complex loan applications and resolves issues escalated beyond the underwriting team
Qualification
Required
Bachelor's degree in Finance, Business Management, or a related field required
Minimum of three (3) years of lending management or supervisory experience required; five (5) years preferred
Minimum of three (3) years of consumer lending experience at a financial institution; Credit Union experience preferred
Demonstrated ability to analyze, interpret, and leverage key performance metrics to assess lending performance, portfolio growth, delinquency, and risk appetite
Proven experience leading transformational improvements in consumer lending operations in alignment with executive leadership
Strong working knowledge of consumer loan underwriting, risk management, and regulatory requirements
Advanced proficiency with Microsoft Office products (Excel, Word, Outlook, PowerPoint)
Preferred
Credit Union experience preferred
Familiarity with AI/ML applications in lending to streamline workflows or enhance credit risk modeling is highly preferred
High preference for experience with Zest AI and MeridianLink technology platforms
Company
WEOKIE Federal Credit Union
In 1969, the employees of Western Electric of Oklahoma pooled their resources to form a not-for-profit cooperative and named it WEOKIE (WE = Western Electric, OKIE = Oklahoma).
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Jeff Carpenter
Chief Executive Officer
Joseph Jackson
Chief Financial Officer
Company data provided by crunchbase