Consumer Credit Risk Manager
5 days ago
Civic FCU's Consumer Lending team is looking for a skilled and experienced Consumer Credit Risk Manager to join our team. This individual will be responsible for ensuring the credit granting process meets the Credit Union's lending standards, while also providing a consultative underwriting experience for members.
About the Position
The Consumer Credit Risk Manager will partner with the Director of Consumer Credit to design products and set underwriting policy and guidelines for the line of business that is consistent, closely followed, and without favoritism or discrimination. Key responsibilities include ensuring approved applications meet lending standards, underwriting consumer loan applications, and maintaining the highest integrity in the decision-making process.
Responsibilities
* Ensure each approved application meets the Credit Union's lending standards and approve loans within their pre-determined lending authority* Underwrite both real estate and non-real estate consumer loan applications, meeting and exceeding individual and team goals* Perform due diligence, verifying account information, credit worthiness, and reviewing income/employment information to ensure borrower's ability and willingness to repay* Provide a consultative underwriting experience with the member, identifying/restructuring opportunities for members* Assist in monitoring the quality and performance of the existing portfolio by product and risk-grading level* Continuously review credit underwriting reporting for negative trends* Partner with the AVP of Credit Administration to set appropriate product and underwriting guidelines* Remain knowledgeable of State and Federal lending regulations, NCUA and credit union policies and procedures* Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve
Requirements
* Minimum 4-6 years experience in consumer and mortgage underwriting* Strong understanding of accounting principles, business financial statements and tax returns* Demonstrated knowledge in analysis of personal tax returns, personal financial statements, and credit bureau reports* Experience in a centralized underwriting environment and the use of scorecards/risk-grading/risk-based pricing for credit decisioning* Ability to function in a Consumer business office environment and utilize standard office equipment* Travel required on occasion
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