Manager, Underwriting (Consumer Loans Underwriting Analytics)

To plan, direct and manage the multi-function operations of the Underwriting branch, including origination and extension of credit, while monitoring credit risk levels and member experience for the portfolio. Monitor the performance of processing systems to ensure correct application of NFCU's credit policies. Evaluate and adjust branch work quality, staff performance, systems, processes and procedures to meet goals. Serve as subject matter expert regarding branch functions, systems, policies and/or procedures. Manage daily activities of professional employees and/or supervisors. Support executive management in developing and executing strategic plans.

Develop branch strategy, establish priorities and set goals; evaluate and implement standards to ensure alignment with department/organizational objectives

Manage and direct operations to ensure targets, service level agreements and corporate objectives are met

Oversee development of benchmarking and trend analysis to drive continuous improvement and elevate service performance, increase member experience quality, manage expenses, minimize financial risk, and maintain high operational efficiency

Identify and resolve operational and performance gaps and obstacles; implement changes and improvements

Monitor work environment and direct allocation of resources to ensure adequate staffing to meet production, member service standards, and technology enhancements

Collaborate with Credit Policy and other business units and Compliance to assess and support organization risk mitigation needs by developing strategies, tactics, and quality review solutions

Serve as member of the Credit Committee to establish guidelines and decision lines of credit, increases, renewals, reinstatements, and member appeals

Manage and coordinate activities with other teams and Lending to execute competitive analysis, tracking and market analysis, surveys, etc.

Oversee quality control audits to ensure compliance with applicable federal and state laws, rules, regulations, and NFCU policies and procedures

Oversee when appropriate and/or serve as liaison to internal/external auditors; review and implement recommended/approved procedural changes

Maintain thorough knowledge of and ensure compliance with applicable federal and state laws, rules, regulations and NFCU policies and procedures

Monitor and analyze changes to applicable federal and state laws, rules and regulations; develop action plans for implementation/dissemination, and coordinate changes with affected branches/divisions

Develop and implement new/updated policies, procedures, goals and priorities for the branch as necessitated by demands, changing conditions, volume and/or management request

Collaborate with internal business partners to analyze portfolio and implement relevant policies and procedures

Lead change management efforts, cross-functional initiatives and department/organization projects

Maintain thorough knowledge of department automated systems, business processes, markets, financial services industry, trends, products and services

Provide forward thinking expertise in current and emerging trends, technologies and practices

Provide overall leadership to large strategic projects and/or programs; ensure effective management of projects from inception through implementation

Assess training and development needs for staff; evaluate training programs to ascertain effectiveness

Oversee the preparation of reports and presentations for senior management

Perform supervisory/managerial responsibilities

Ensure adequate/skilled staffing; select employees

Establish performance goals and priorities

Prepare, conduct and review performance appraisals

Develop, mentor and counsel staff

Provide input and/or prepare budget requirements for Annual Financial Plan (AFP)

Ensure section/branch goals and objectives align with division/department strategy

Ensure efficiency of operations

Leadership Level – Supervise daily activities

Perform other duties as assigned

Expert knowledge of applicable federal and state laws, rules, and regulations (e.g., Fair Credit Reporting Act, Equal Credit Reporting Act, NCUA, CFPB, BSA, etc.)

Extensive progressively responsible experience leading and managing a multi-functional credit card lending operation in a large financial institution, including operational and regulatory risks and controls

Advanced knowledge of banking/financial industry trends, products and services

Advanced knowledge of data querying, reporting, forecasting, analysis and operations research, including statistical methods and modeling

Expert organizational, planning and time management skills

Extensive experience in supervising and leading employees

Extensive experience in managing multiple priorities independently and/or in a team environment to achieve goals

Expert verbal and written communication skills

Advanced database, word processing, spreadsheet, and presentation software skills

Expert knowledge of credit card products, services, processes, and procedures

Expert skill in producing desired results and achieving goals and objectives

Expert skill interacting tactfully and effectively in difficult situations

Expert skill interacting with staff, management, vendors and members diplomatically and tactfully

Expert skill in project management to include establishing and leading project teams; managing timelines/deadlines/resources; ensuring successful project implementation

Expert skill exercising initiative and using good judgment to make sound decisions

Expert skill using innovative thinking to solve problems and facilitate the decision making process

Expert skill identifying and analyzing business requirements and recommending solutions

Expert analytical thinking skills to include summarizing information and clearly identifying key elements, patterns, results or relationships

Expert skill to influence, negotiate and persuade to reach agreeable exchange and positive outcomes

Bachelor’s degree in Finance, Business Administration, or related field or an equivalent combination of education, training, and experience

Desired Qualifications

Advanced knowledge of NFCU credit card operations

Advanced knowledge of NFCU policies, procedures, products, and services

Master’s degree in Finance, Business Administration

Additional Information

Hours:

Monday - Friday, 8:00AM - 4:30PM

Location:

820 Follin Lane, Vienna, VA 22180

5510 Heritage Oaks Drive, Pensacola, FL 32526

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Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.

Accommodations: If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at medicalaccommodations@navyfederal.org or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.

Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.

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