Consumer Loan Underwriting Manager

Georgia United Credit Union

Consumer Loan Underwriting Manager leading consumer lending and underwriting processes with a focus on credit decisions and team development. Collaborating with stakeholders to ensure compliance and improve efficiency.

Posted 7/2/2026full-timeDuluth • 🇺🇸 United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in consumer lending and underwriting, with a strong focus on sound credit decision-making, loan structuring, and compliance with regulatory requirements. Proven ability to lead and develop teams while enhancing operational efficiency and member satisfaction.

Highest-signal resume keywords

Consumer Lending ExperienceUnderwriting PrinciplesLeadership and Team DevelopmentLoan StructuringRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisLoan UnderwritingPerformance Metrics AnalysisRisk ManagementDecision Making

Soft Skills

CoachingEffective CommunicationPositive InfluenceCollaboration

Tools & Technologies

Microsoft OfficeExcelWordPowerPointSymitarL360

Industry Keywords

Consumer LendingUnderwritingLending PoliciesFraud RisksFederal RegulationsState Regulations

About the role

Key responsibilities & impact

Leads the underwriting function in support of consumer lending goals, ensuring sound credit decisions, timely turnaround, and adherence to established policies, procedures, and lending limits.
Supervises, coaches, and develops underwriters by setting expectations, providing guidance, monitoring quality, and fostering a collaborative, service-oriented team environment.
Underwrites loans and more complex loan requests as needed by reviewing credit, income, collateral, and application data to evaluate financial risk and determine appropriate loan structure and documentation.
Approves loans, exceptions, and modifications within assigned authority limits and recommends actions on requests outside of delegated authority.
Reviews application data, decision trends, and underwriting statistics to identify opportunities, risks, and process improvements, and prepares reporting for leadership to support business decisions.
Develops practical and creative underwriting solutions that support loan growth, cross-sell opportunities, and deeper member relationships while maintaining compliance and sound risk management.
Partners with loan processing, branch leadership, and lending peers to promote a seamless member experience from application through decision and closing.
Monitors underwriting workflows, service levels, and performance metrics to improve efficiency, consistency, and member satisfaction across all lending channels.
Supports implementation and optimization of underwriting tools, systems, and vendor relationships to enhance decision quality and operational effectiveness.
Maintains knowledge of market trends, fraud risks, and regulatory requirements affecting consumer lending and ensures the team operates in compliance with all applicable federal and state laws and regulations.
Promotes strong working relationships across the organization through effective communication, positive influence, and commitment to the credit union’s purpose, mission, and core values.

Requirements

What you’ll need

5+ years of consumer lending or underwriting experience required, including demonstrated experience making sound credit decisions.
2+ years of leadership or supervisory experience preferred, including coaching, performance management, and team development.
Strong understanding of underwriting principles, loan structuring, lending policies, and applicable regulatory requirements.
Experience analyzing loan data, underwriting trends, and performance metrics to support operational and business decisions.
Proficiency in Microsoft Office applications, including Excel, Word, and PowerPoint.
Experience with lending systems such as Symitar and L360 preferred.

Benefits

Comp & perks

Equal Employment Opportunity (EEO)
Reasonable accommodations may be made in accordance with the Americans with Disabilities Act (ADA) and other applicable laws.