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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