Director of Underwriting

TTCU Federal Credit Union is seeking a strategic and experienced Director of Underwriting to lead our Indirect, Consumer, and Mortgage Underwriting departments. This role plays a critical part in ensuring the credit union's lending practices are sound, compliant, and member-focused. As Director, you'll guide a team of underwriting professionals, drive loan production goals, oversee policy and procedural compliance, and collaborate across departments to deliver exceptional service to our members. This is a key leadership role for someone with deep knowledge of consumer and mortgage lending and a passion for operational excellence.

Supervises: Underwriting Managers

Essential Job Functions and Responsibilities:

• Supervise direct reports to maximize productivity, efficiency, and the potential of the human assets of TTCU, including: hiring, directing job assignments, monitoring staff performance, coaching, counseling, training, assuring compliance with regulatory requirements and organizational mission, values, policies, and work rules. Appraise performance and provide recommendations for staff compensation, promotion, and termination, as appropriate. Prepare, present, and adhere to annual budget for department.
• Manage Underwriters to ensure members are serviced in a quality manner and in accordance with TTCU policy. Resolve problems and troubleshoot processing issues and member complaints in a manner that ensures quality service to members while protecting the financial interests of TTCU. Maintain compliance with all federal regulatory laws and secondary investor guidelines.
• Evaluates products and procedures currently in place. Process and monitor the monthly Repossession report and review all previous month's repossessions. Discuss and make recommendations to underwriting policies and lending procedures with Lending Leadership. Implements changes as needed to ensure member satisfaction, problem resolution and credit union efficiency.
• Lead researching, analyzing, implementing, and managing new processes affecting the Underwriting group. This includes ensuring processes are operationally efficient as well as maximizing the strategic value Underwriting. Maintain software parameters and controls in order to facilitate product revisions and implementation of new products, if applicable. Audit underwriting findings and offer suggested changes to parameters that correlate with strategic initiatives.

MINIMUM QUALIFICATIONS

• Bachelor's degree in Business, Economics, Finance, or another related discipline required.
• Advanced experience in underwriting and processing loans, preferably within a financial institution: 8-10 years.
• Experienced with Indirect and Consumer segments (Ideal candidate must have experience in Indirect and Consumer Underwriting).
• Supervisor and/or Management experience: 4-6 years
• Intermediate knowledge with Microsoft Office (Word, Teams, Excel, PowerPoint, SharePoint, and Outlook).
• Ability to learn proprietary computer software such as Correlation, OnBase, & Zest ArcOS (Decision Manager)
• Ability to learn or experience with Credit Union Dealer Lending and Encompass Software.
• Ability to learn Credit Union software such as Concur and UKG
• Knowledge of financial loan parameters and how to apply them to a specific applicant's situation.
• Knowledgeable in Consumer, Mortgage and Commercial Underwriting preferred
• Advanced problem solving and decision-making skills.
• Good organization skills and attention to detail and accuracy.
• Ability to independently manage the details of multiple programs and projects, to track activities and meet deadlines.
• Strong attention to detail and the ability to maintain confidential information appropriately and exercise discretion, sensitivity, and tact at all times.

Why TTCU Federal Credit Union?

We offer a competitive salary, comprehensive benefits, and a supportive work environment where your contributions make a meaningful impact. Join us in helping our members achieve financial success!