Underwriting Supervisor

Title: Underwriting Supervisor Department: Consumer Lending Reports to: Director of Consumer Lending FLSA: Non-exempt Job Grade: 11 Job Purpose: Provide leadership and management to the Underwriting Department in conformance with established Credit Union policies and procedures.
Oversee underwriting to ensure all responsibilities of that department are completed in accordance with regulations and established guidelines.
JOB SPECIFIC RESULTS Direct, develop, motivate, and manage the performance of department personnel; administer performance evaluations and recommend appropriate personnel actions.
Prepare staff schedules on a daily, weekly, and monthly basis.
Direct training activities for department staff.
Assist staff with underwriting and any other day-to-day department functions.
Direct supervision of Underwriters.
Direct training activities of department staff.
Monitor training expenses to ensure they are within approved budget amounts.
Collaborate with Retail staff, Director of Retail, Loan Processing Manager, and Indirect staff to ensure we meet member and dealer expectation for satisfaction as well as meet funding expectations and monitor quality assurance and timeliness of processing workflow.
Ensure all department procedures are reviewed at least annually and revise procedures as needed to remain in compliance with all applicable laws and regulations.
Provide communication and training to all affected areas.
Monitor department activities to ensure they comply with Credit Union policies, procedures, and regulations.
Provide coaching for staff to ensure compliance.
Work with HR to develop work improvement plans as needed.
Ensure quality controls are in place to ensure accuracy and completeness of loan documents, including but not limited to credit, income, and required documentation from the member and third parties in support of the loan approval decision.
Propose professional development activities for staff and monitor completion of recommended activities.
Monitor training expenses to ensure they are within approved budget amounts.
Investigate any indication of fraud and take appropriate action.
Evaluate potential new products and make recommendations for implementation of new product offerings.
Works with IT to coordinate changes to the core processing system and provide requirements for changes to functionality.
Assist with lending related projects by working with the project management team and Director of Consumer Lending as needed.
Maintain a continued level of communication by holding meetings with the Director of Consumer Lending and underwriting staff.
Create and analyze periodic reporting for department staff and upper management Expectations include identifying trending information related to charge-offs, and/or consumer loan applications.
Evaluate the reports for policy/procedural changes to protect credit union interest and develop product ideas to help the membership.
GENERAL MANAGEMENT RESULTS Maintains staff by recruiting, selecting, orienting, and training employees, maintaining a safe and secure work environment, and developing personal growth opportunities.
Mentors staff by providing individual guidance and technical expertise.
Works with the risk management department to conduct random audits of employees’ work.
Accomplishes staff job results and departmental goals by coaching, counseling, and disciplining employees; communicating job expectations; effectively scheduling staff to meet the credit union’s needs; planning, monitoring, and appraising job results; conducting training; initiating, coordinating, implementing, and enforcing systems, policies and procedures; and keeping supervisor updated on issues on a regular basis.
Completes operations by developing schedules; assigning and monitoring work; gathering resources; implementing productivity standards; resolving operations problems; maintaining reference manuals; implementing new procedures; keeping supervisor informed of problems and solutions.
Maintains department policies and procedures by assessing practices, identifying strengths and weaknesses, and recommending changes to the supervisor.
Maintains operations by initiating, recommending, coordinating, and enforcing operational and personnel policies and procedures; and coordinating, developing, and maintaining comprehensive procedures for each position in the operational area of responsibility.
Manages diversity in the workplace by understanding, supporting, and practicing equal employment opportunity regulations and participating in all mandatory training regarding this and related topics.
GENERAL MEMBER CONTACT STAFF RESULTS At times, will need to properly assess a member’s problem and be able to help them in a timely and efficient manner.
GENERAL STAFF RESULTS Maintains member and employee confidence and protects operations by keeping information confidential and sharing on a business-related as-needed basis only.
Engages in problem resolution by clarifying the member’s and/or employee’s complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution; and keeping the supervisor informed of problems and solutions.
Complies with UKFCU policies and procedures by enforcing and adhering to internal UKFCU procedures and board-established policies.
Complies with federal, state and local regulations and legal requirements by enforcing and adhering to requirements.
Maintains professional and technical knowledge by maintaining an awareness of competitors’ rates and terms, industry trends and technology; attending staff meetings; identifying opportunities to attend seminars that enhance skills and maintain knowledge of new products that could assist in improving operational effectiveness; reviewing professional publications; establishing personal networks; benchmarking state-of-the-art practices; and participating in professional societies.
Contributes to a team effort by accomplishing corporate and individual goals and other related results as needed.
KEY COMPETENCIES Professionalism in all communications.
Commitment to the Credit Union movement and philosophy.
Integrity in all actions.
Ability to identify the needs of the member and provide services to meet those needs.
Accountability to established metrics and performance goals.
MINIMUM REQUIREMENTS Two to five years of similar or related experience Associates Degreeor equivalent.
Advanced Excel and Smartsheet functions preferred.
Ability to communicate with others one-on-one and in groups, fielding questions and responding to complaints.
Ability to motivate and influence others, foster sound relationships, present a trustworthy and diplomatic image, and deal effectively with others concerning topics of a personal or sensitive nature.
Ability to define problems, collect data, establish facts and draw conclusions while dealing with a variety of concrete variables.
Ability to write reports, correspondence, and procedures.
Ability to work independently and in a team.
Ability to be self-motivated.
Ability to work with strict deadlines.
PHYSICAL DEMANDS: 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 and stand; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and talk or hear.
The employee frequently is required to walk and stand.
The employee is occasionally required to stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds.
Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
WORK ENVIRONMENT: The work environment characteristics described here are representative of those 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.
The employee will be required to work indoors in a climate-controlled office setting.
The noise level in the work environment is usually moderate.
MENTAL DEMANDS: The mental characteristics necessary to competently perform this job include the occasional need to be persuasive, use good judgment; and the continuous need to use auditory perception, memory, and reasoning ability.
* The intent of this job description is to provide a representative summary of the types of results that will be required of the positions given this title and shall not be construed as a declaration of the specific responsibilities of any particular position.
Employees may be requested to perform job-related tasks other than those specifically outlined in this description.
_________________________________________________________________________________________________________ UKFCU is an equal employment opportunity employer and is committed to providing employment opportunities to minorities, females, veterans, and disabled individuals.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or status as a protected veteran.
UKFCU invites you to review the current "EEO Is the Law" poster as part of the application process.
A link to the most current posters ishere.
Please also see the 2015 Supplemental EEO Posterhere.
The Credit Union leadership recognizes that to achieve its vision and mission, it must embed the values of Diversity, Equity, and Inclusion (DEI) in all aspects of the Credit Union’s work.
Together, the staff, membership and communities are diverse and as such, the Credit Union must reflect and respect that diversity.
The Credit Union’s leadership recognizes and believes when an organization’s leadership and staff are representative of the people that it serves, it can better meet its vision and mission.
Further, the Credit Union leadership believes that it benefits when diverse perspectives are represented, respected and included among the discourse and decision-making that takes place at the Credit Union, and with and among its staff, membership and communities.
Applications are only accepted through our online application system.
However, if you need assistance with any part of the application process or are unable to apply online because of a medical condition or disability and need an accommodation, please contactrecruiting@ukfcu.
orgto let us know the nature of your request.
Please note, UKFCU accepts only employment applications that are complete and received by the Office of Human Resources by the specified deadline for each opening.
This position allows for an optional hybrid work arrangement which includes a combination of both in-office and remote work arrangements.
(Maximum of two days remote, three days in-office).
To be eligible for the program, employees must complete a minimum of 6 months of continuous, regular employment, be in good standing, and submit a formal hybrid work application prior to being eligible for hybrid work, pending supervisor approval.
Work schedules will be established by the employee's supervisor according to business needs.
Working locations and schedules may be altered at management discretion.