Consumer Loan Underwriting Supervisor

Join Our Team at Harborstone Credit Union—Voted one of Washington’s Best Workplaces!

Are you ready to make a difference in the lives of others while building your own career? At Harborstone Credit Union (HCU), we’re more than just a financial institution—we’re a community dedicated to building dreams and changing lives for generations to come!

Why Join Our Team?

At HCU, we believe that happy teammates create happy members. Enjoy competitive wages, unique benefits, and a workplace culture that supports your growth and happiness. If you’re looking for the “Best Place to Work, Ever!” and want to be part of a team that truly values its members and each other, apply today!

Compensation:

Minimum - $29.26

Maximum - $41.80

Placement in the pay scale will be determined by experience and qualifications.

What You’ll Do:

·         Lead, coach, and develop a high‑performing team of consumer loan underwriters

·         Oversee daily underwriting workflow, quality, and service‑level performance

·         Support escalations, complex credit scenarios, and cross‑department collaboration

Key Responsibilities:

·         Provide leadership, coaching, and performance management for underwriting staff

·         Ensure accurate, timely, and compliant credit decisions across all consumer loan products

·         Drive operational excellence through process improvements, quality control, and trend monitoring

What We’re Looking For:

·         A strong people leader with deep consumer underwriting expertise

·         A proactive problem‑solver who thrives in a fast‑paced environment

·         A clear communicator who builds trust with members, dealers, and internal partners

Position Summary
The Consumer Loan Underwriting Supervisor plays a pivotal role in the Consumer Lending department by leading the daily operations of the underwriting team to ensure accurate, timely, and compliant credit decisions across all consumer loan products. This position is responsible for coaching and developing underwriters, overseeing workflow and decision quality, and supporting escalations and complex credit scenarios. The ideal candidate possesses strong leadership skills, deep underwriting expertise, and the ability to reinforce consistent decision quality and member advocacy. This role reports directly to the Consumer Loan Underwriting Manager and collaborates closely with branches, eLoans, vendors, dealer partners, internal lending teams and cross-functional partners to ensure alignment with Harborstone’s mission, vision, and values.

Key Responsibilities

1.   Lead and Develop Underwriting Staff

·      Description: Mentor, coach, and develop underwriters through regular one‑on‑one meetings, performance reviews, and ongoing feedback. Reinforce accountability, decision quality, and alignment with Harborstone’s Ten Essentials. Serve as a primary resource for underwriting guidance and troubleshooting.

2.   Oversee Workflow, Quality, and Operational Performance

·      Description: Manage daily underwriting workflow, workload distribution, and service‑level performance. Ensure procedures remain accurate and up to date. Lead process improvements, system testing, and adoption of new tools and workflows to enhance efficiency and member experience.

3.   Support Credit Decisioning and Risk Management

·      Description: Provide secondary review and oversight of loan decisions to ensure accuracy, consistency, and policy alignment. Coach underwriters on risk assessment and decision rationale. Monitor trends in application quality, decision outcomes, and risk indicators to inform leadership.

1.   Education:

·      High school diploma, Essential

2.   Experience:

·      3 years of consumer loan underwriting experience in a financial institution, Essential

·      1 year of leadership experience, Essential

3.   Technical Skills:

·      Proficiency in MS Office (Outlook, Excel, Word), Essential

·      Knowledge of LOS systems and lending platforms, Preferred

4.   Soft Skills:

·      Strong analytical, problem‑solving, and decision‑making skills, Essential

·      Excellent verbal, written, and interpersonal communication, Essential

·      Excellent organizational and time-management abilities, Essential

·      Ability to multitask and manage high‑volume workloads, Essential

5.   Certifications/Additional Qualifications (if applicable):

·      Knowledge of federal and state lending regulations, Essential

·      Ability to calculate APR, DTI, loan values, and financial ratios, Essential

·      Nationwide Mortgage Licensing System (NMLS), or the ability to obtain it within the first 90 days, Essential

·      Ability to maintain confidentiality, Essential

·      Bondable, Essential

Physical Considerations

·      Ability to communicate effectively in verbal, written, and electronic formats with internal and external stakeholders.

·      Ability to read, comprehend, and respond to written and verbal instructions and information.

·      May be required to sit or stand for extended periods, depending on job duties.

·      May involve repetitive motions, including keyboarding and handling office equipment.

·      May require stooping, bending, squatting, or reaching occasionally.

·      May be required to lift and carry items weighing up to 50 pounds.

·      Ability to navigate office environments, including walking between workstations, meeting rooms, and member service areas.