Consumer Lending Underwriting Manager

The Consumer Lending Underwriting Manager oversees the day-to-day activities of a team of Underwriters handling multiple consumer lending products in a cross channel environment.

Here's what you can expect from the job and what you need to be successful:

Job Duties:

• Lead a team of high-performing and engaged employees through effective people leadership practices including regular communication of performance expectations and feedback to employees to maintain high team performance; provide coaching and corrective action as required; actively support employee professional growth and development
• Responsible for credit quality of consumer loan originations, driving profitability and protecting against risk
• Meet established department metrics including high quality member experience, effectiveness and efficiency, update leader on all major projects, employee issues and goal progress
• Manage department processes and procedures, seeking efficiencies and continuous improvement
• Oversee product development, testing, pricing and special projects as well as implementation of new products
• Perform underwriting of more complex or higher risk loan files, as required

Essential Skills:

• Minimum 5 years’ experience in consumer loan underwriting; some leadership experience preferred
• Proven people management and development skills, adept at providing frequent and valuable performance feedback to develop and build employees
• Ability to coordinate a variety of activities and projects and prioritize work under tight deadlines
• Strong problem solving and decision making skills; ability to resolve complex issues with minimal direction
• Ability to negotiate and communicate difficult decisions to stakeholders and diffuse any escalated situations
• Ability to leverage key performance metrics and data to provide insights and make strategic business recommendations
• Excellent verbal and written communication skills; able to express ideas concisely and logically
• Ability to foster strong relationships with internal and external stakeholders
• Comprehensive understanding of loan contracts including APR, amortization schedules, simple interest calculations
• Strong knowledge of regulatory requirements regarding consumer lending including Reg Z, Reg B, MLA, ECOA, FACTA and SCRA
• Working knowledge of Microsoft Office Suite
• Certification/License: FCRA/FACTA Certification
• Minimum Education: High School Diploma; Bachelor’s degree preferred

Location: Rocklin Corporate Office – Rocklin, CA 95677

Target Compensation in Rocklin, CA: $105,000 to 121,000 annually + annual bonus

Benefits options include:

• Traditional medical, dental, and vision coverage
• 401K matching up to 5% per pay period
• Accrue up to 17 days of Paid Time Off your first year of employment
• 11 paid federal holidays
• Special employee pricing on lending products such as mortgage, auto, and personal loans (eligibility for special employee pricing is subject to standard account requirements and underwriting criteria)

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First Tech is not currently offering Visa sponsorship for this position

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