Consumer Loan Underwriting Manager

Lead. Inspire. Make an Impact.

At Harborstone Credit Union , we’re more than a financial institution. We’re a team united by a purpose: building dreams and changing lives for generations to come . If you're a strategic lending leader who thrives on developing high-performing teams, driving operational excellence, and delivering exceptional member experiences, we invite you to join us as our next Consumer Loan Underwriting Manager .

This is an exciting opportunity to lead a talented underwriting team while shaping the future of consumer lending at one of the Pacific Northwest’s most respected credit unions.

Why Harborstone?

Our culture is built on compassion, integrity, and genuine human connection. We embrace technology, but we never lose sight of what matters most—people. Here, you'll work alongside a supportive team that values collaboration, celebrates achievements, and invests in your personal and professional growth.

Competitive pay: $81,872-$122,809 annually DOE*

401(k) with employer match

Medical, dental, and vision coverage

Employer contribution toward dependent medical premium

Generous paid time off and holidays

Professional development and career growth opportunities

Employee appreciation and recognition programs

Discounted employee financial products

A mission-driven culture focused on helping members and communities thrive

A collaborative, supportive culture that values work-life balance and employee well-being

*Starting salary is based on experience and qualifications and will likely not exceed mid-point of range to allow for development and future increases.

About the Role

As the Consumer Loan Underwriting Manager , you will provide strategic leadership and operational oversight for Harborstone's consumer lending and underwriting functions. You'll lead and develop supervisors and underwriting teams while ensuring sound lending decisions, regulatory compliance, operational efficiency, and outstanding member experiences.

This role combines leadership, analytics, lending expertise, process improvement, and cross-functional collaboration to ensure Harborstone's consumer lending operations consistently exceed expectations.

What You'll Do

Lead & Develop Exceptional Teams

Coach, mentor, and inspire supervisors and underwriting staff

Build a culture of accountability, engagement, and continuous learning

Conduct performance reviews, career development planning, and regular coaching sessions

Lead and support a hybrid workforce using effective leadership tools and technology

Ensure staffing, scheduling, and service levels meet organizational goals

Drive Lending Excellence

Oversee all consumer loan underwriting activities and automated decision systems

Provide guidance on complex lending decisions and escalations

Ensure loan decisions align with Harborstone policies, risk appetite, and regulatory requirements

Maintain high-quality underwriting standards across all consumer loan products, including: Auto Loans

Motorcycle Loans

Recreational Vehicle Loans

Boat Loans

HELOCs

Secured Loans

Unsecured Loans

Champion Operational Performance

Monitor lending production, quality, service levels, and key performance indicators

Manage departmental budgets and resources effectively

Lead lending-related projects, system enhancements, and strategic initiatives

Partner with leaders across the organization to improve lending processes and member outcomes

Conduct testing and implementation support for system upgrades and enhancements

Deliver Outstanding Member Experiences

Resolve complex member concerns with professionalism and empathy

Partner with branches, dealers, contact center teams, and stakeholders to ensure a seamless lending experience

Build and maintain strong dealer relationships that support growth and profitability

Represent Harborstone with auditors, examiners, legal partners, and industry organizations

Drive Continuous Improvement & Compliance

Evaluate processes and identify opportunities to improve efficiency and service delivery

Ensure compliance with federal and state lending regulations, BSA requirements, and internal controls

Conduct quality reviews and audits to maintain lending excellence

Monitor market trends and economic conditions to proactively inform lending strategies

Recommend policy and procedural improvements that enhance operational effectiveness

What Success Looks Like

In this role, you will:

Build and maintain a highly engaged, high-performing underwriting team

Meet or exceed production goals and service-level commitments

Ensure completion of annual Departmental Lending Procedure (DLP) reviews

Maintain strong compliance and audit performance

Improve operational efficiency through process enhancements

Support Harborstone's mission, vision, and values in every interaction

What You'll Bring

Required Qualifications

5+ years of consumer loan underwriting experience within a financial institution

3+ years of leadership experience managing teams

Bachelor's degree or equivalent combination of education and experience

Strong understanding of consumer lending practices and underwriting principles

Knowledge of federal and state lending regulations

Exceptional communication, leadership, and relationship-building skills

Strong analytical, problem-solving, and decision-making abilities

Experience managing multiple priorities in a fast-paced environment

Proficiency with Microsoft Office Suite (Outlook, Excel, Word)

Ability to calculate APRs, debt-to-income ratios, loan values, discounts, and related lending metrics

Ability to maintain confidentiality and be bondable

Preferred Qualifications

Bilingual, particularly Spanish-speaking

Additional lending, leadership, or financial services certifications and training

Experience with Loan Origination Systems (LOS) and lending technology platforms

Physical & Schedule Requirements

Flexible availability Monday through Sunday, including occasional meetings and events outside normal business hours

Ability to communicate effectively in person, electronically, and in writing

Ability to sit or stand for extended periods

Occasional lifting of supplies up to 25 pounds

Ability to bend, stoop, squat, and reach when necessary

Apply today and help us build dreams, change lives, and shape the future of consumer lending at Harborstone Credit Union.

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