Gesa Credit Union · 18 hours ago
Consumer Underwriting Assistant Manager/Team Leader
Richland, WA
Full-time
Onsite
Mid, Senior Level
$80K/yr - $120K/yr
5+ years expGesa Credit Union is a community-focused financial institution seeking a Consumer Underwriting Assistant Manager/Team Leader. This role involves overseeing daily operations, making high-quality decisions on consumer loan requests, and fostering strong relationships with dealership partners while ensuring compliance with underwriting standards.
CreditFinancial ServicesLending
Responsibilities
Apply critical thinking skills and solid lending principles according to the needs of each applicant and their risk profile; construct and approve loan offers in accordance with delegated approval authority and loan policy independently
Evaluates and mitigates risk while maintaining profitability associated with extending credit requests
Apply underwriting guidelines in making and defending loan decisions independently
Identify and recommend additional lending opportunities to increase relationships with members
Provide accurate pricing and terms to dealerships in a courteous/professional manner
Responsible for dealership onboarding recommendations through market analysis reports
May be responsible for communication of relationship dissolution from the indirect program for non-preforming dealerships
Ensure compliance with legal requirements, lending regulations and internal policies and procedures
Maintain positive relationships with colleagues and business partners
Maintain the highest level of confidentiality relative to information received directly or indirectly
Adhere to all local, state, and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act
Maintain awareness of laws, rules, regulations, and policies and procedures which impact position duties and responsibilities
Ability to independently analyze, research and resolve medium to high complexity problems
Generate new and innovative ways to streamline processes
Serve on project teams for expertise as a Subject Matter Expert (SME)
Serve as a resource or SME for the team
Responsible for loan audits ensuring consistency with policies and procedures
May be responsible for department training needs
May be responsible for maintaining department manual and procedures
Attend credit union training sessions, conferences, or seminars as approved by supervisor
Display mutual respect, trust, and dignity, acting in the best interest of the credit union. Lead by example by displaying solid ethics and integrity at all times
Ensure that all issues are handled in a fair, legal, and consistent manner
Qualification
Required
Equivalent to a four (4) year college degree or completion of a specialized course of study at a business or trade school; or equivalent experience
Five (5) to seven (7) years of similar or related exposure to indirect lending/financial services
Advanced knowledge of local, state, and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act
A valid Driver's License is required
Ability to work 'off-business' hours, including weekends (Sundays included) and holidays
Proven ability in conducting credit analysis including credit reporting, credit investigation and cash flow analysis under moderate guidance of a Team Leader
Proven ability to make decisions in a timely manner and articulate the reasoning for decisions
Proven ability to prioritize and manage multiple demands effectively
Proven ability to work effectively both collaboratively and independently, with minimal supervision
Excellent oral and written communication skills
Proficient mathematical skills with a high degree of accuracy
Proficient with MS office Suites (Word, Excel, Outlook)
Excellent interpersonal skills and ability to build and maintain positive working relationships with co-workers and business partners
Proven ability to analyze and underwrite a high volume of applications to make sound lending decisions with granted authority and identify potential risks and solutions
Ability to train, coach and mentor other Underwriters
Ability to create and maintain department training material
Preferred
Advanced knowledge of FICO preferred
Advanced knowledge of CUDL, Dealer Track and Route One programs preferred
Benefits
Competitive Pay
Medical, Dental, Vision, and Life Insurance
20 days/year of Paid Time Off – Plus 10 Paid Holidays!
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product discounts
Engaging Work Environment
Rewards and Recognition Programs
Company
Gesa Credit Union
Gesa Credit Union offers home loans, deposit services, lending services, online services and other financial services.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Eddie Santoyo
L&D Partner I, Sales and Service
Guadalupe Anaya
Sr Learning & Development Partner
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