VyStar Credit UnionPosted 3 weeks ago

Consumer Lending Underwriting & Credit Supervisor

VyStar Credit UnionPosted 3 weeks ago

On-siteJacksonville, Florida, United States

Jacksonville, Florida, United StatesOn-siteFull TimeLarge

Full TimeLarge

Job Summary

Oversee the daily operations of the Lending Services underwriting business unit, managing a team of nine loan officers and ensuring the $2+ billion portfolio meets annual goals for volume, growth, and net interest income. Direct credit decisions for complex loans, including luxury items and consolidations, while maintaining strict adherence to regulatory requirements and defined risk tolerances. Monitor portfolio performance through automated lending platforms and trend analysis to adjust underwriting practices and mitigate credit risk. Coach underwriters through loan authority progression, conduct performance reviews, and administer disciplinary actions when necessary. Manage call center schedules and system configurations to ensure service levels are achieved. Collaborate with product innovation teams to support new loan matrices and facilitate system testing for core enhancements.

Required Qualifications

Bachelor's degree in business or related field
Minimum of five years of loan origination experience
Five years lending authority in a financial institution
Additional five years of lending experience (substitutable in lieu of the bachelor's degree)
Experience leading a team and managing to achieve business plan results
Extensive knowledge of Microsoft Word
Extensive knowledge of Excel
Extensive knowledge of PowerPoint
Extensive knowledge of CMS Supervisor
Extensive knowledge of Verint
Extensive knowledge of Meridian Link
Extensive knowledge of Atlas
Extensive knowledge of Report Portal
Extensive knowledge of Evolve
Positive, well developed communication skills, both written and oral
Detail oriented
Good organizational and active listening skills
Strong ability to multitask and prioritize work in a fast-paced environment
Proven ability to work with others
Professional conduct
Appearance
Self-motivated
Ability to evaluate a member's loan product needs based on their individual financial situation
Advanced knowledge in luxury item underwriting
Advanced knowledge in large dollar consolidation loans
Advanced knowledge in various types of consumer loans
Ability to handle confidential material in a highly ethical manner
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must handle confidential material in a highly ethical manner
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation
Must successfully complete a minimum of 40 hours of on-going lending training annually
Must possess and exhibit the ability to evaluate a member's loan product needs based on their individual financial situation

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