Consumer Underwriting Supervisor

OnPath Credit Union is looking for a Consumer Underwriting Supervisor to join our team! The salary range for this position is $56,159.83 to $70,199.78 based on skills and experience. This position is classified as Remote.

As a dedicated member of the OnPath FCU team, this role performs a variety of tasks that in partnership with the surrounding departments, provides cost effective financial services for the benefit of our members who are our primary focus. Our core values are what make us E.P.I.I.C. We are Empathetic to the vast situations and needs of our member's and to each other. We are Passionate about the financial growth and success of our members. We are Innovative in our ideas and goals to remain at the top of our class in financial services. Our Integrity is not an option. We require our employees to be honest and have strong moral principles. We are Committed to our promise to be the best financial advocates for our members and the communities we serve.

PRIMARY FUNCTION:

The Consumer Loan Underwriting Supervisor is responsible for supporting the Director of Consumer Lending with organizing, planning, and leading the consumer loan underwriting functions, including HELOCs, to maximize member satisfaction, efficiency and growth. Implements departmental lending

operational procedures consistent with overall company policies and strategies. The Consumer Loan Underwriting Supervisor will lead and assist employees in the underwriting, funding and fulfillment of all consumer loans and HELOCs. Conducts daily business interactions and maintains constant alignment with OnPath's mission, culture, and core values. Encourages others to act with mission, culture, and core values in mind always. Demonstrates initiative and sound judgment in the absence of specific direction from management. Ensures value through decision making that supports credit union goals and interests. Passionately displays a desire to build rapport and expand relationships with all members both internally and externally. Stays informed on OnPath's products and services to provide the right recommendations to the right members at the right time. Promotes and maintains a positive image of the credit union to peers, members, and communities we serve.

Major Duties and Responsibilities

Team/Product Management: * Ensures the Consumer Underwriting team is running optimally with adequate staffing and training to perform their jobs. * Ensures all service level expectations are met and department work is completed within expected timelines. * Reviews and updates all consumer underwriting procedures as necessary to ensure alignment with Credit Union policy. * Ensures team members complete required annual trainings. * Effectively communicates policy/procedure changes and all other relevant Credit Union information with team and management. * Completes team member performance reviews within established deadlines. * Ensures compliance with all applicable laws and regulations.

Coaching: * Coaches team to achieve extraordinary levels of service to both internal and external members. * Coaches team members on daily tasks and contribute to their professional development. * Sets clear performance expectations and supports the individual team member's success. * Conducts regular formal coaching sessions with individuals or groups to support team and individual results. * Provides timely feedback to keep individuals and team moving towards goals. * Holds team members accountable for performance expectations.

Self-Management: * Maintains focus on personal and professional growth. * Seeks out opportunities to add value to the team and the organization. * Holds themselves to high performance standards. * Maintains and grows industry knowledge and seeks out opportunities to grow credit union membership and organizational impact.

Knowledge and Skills

Three to five years of similar or related experience, including time spent in preparatory positions. Management experience preferred.

A high school degree or GED is required.

A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.

Strong decision-making skills, and high emotional intelligence is required. Proficiency in conflict resolution and effective delegation is essential. Exceptional time management and communication skills are vital, along with a commitment to fostering creativity, mentoring team members, and driving continuous improvement. Adaptability, customer focus, financial acumen, are also necessary for success in this role.

ADA Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle or feel, reach with hands and arms, view customer information, and talk or hear. The employee is frequently required to stand and walk. The employee must regularly lift and/or move up to 5 pounds and frequently lift and/or move up to 25 pounds.

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters. Disclaimers Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

OnPath FCU is an EOE/M/F/Disability/Veteran