CONSUMER UNDERWRITING MANAGER

Location: Albuquerque, NM 87109

Required work schedule: (not a remote or hybrid position)

• Monday to Friday: 8:30 AM to 5:30 PM

• Rotating Saturdays: 8:30 AM to 1:30 PM

As a valued full-time team member, you'll enjoy fantastic benefits that promote your health and well-being:

• Comprehensive Medical, Dental, and Vision Insurance

• Paid Short-Term Disability, Life Insurance, and AD&D

• Holiday Pay, Vacation, Birthday, Floating Holiday & Sick Leave

• Tuition Reimbursement for Professional Development

• 401(k) Plan with Employer Match

• Pension Plan for Long-term Security

• Exciting Opportunities for Career Advancement

Overall Purpose:

At Sandia Area, every position plays a vital role in fulfilling our mission to deliver high-value banking and lending services that strengthen the financial well-being of our members and community. Each team member is expected to embody our core values of Service, Sustainability, Efficiency, Trust, Stewardship, and Growth, contributing to our vision of empowering lifelong achievement through better banking.

The Consumer Underwriting Manager oversees the underwriting operations for consumer and real estate loans, ensuring sound credit decisions that align with the credit union’s lending policies, risk tolerance, and strategic objectives. This role leads the underwriting team, monitors loan quality, ensures regulatory compliance, and supports efficient loan processing and exceptional member service. The position requires strong knowledge of lending regulations, attention to detail, and a commitment to confidentiality and integrity in the lending process.

Responsibilities include, but are not limited to:

• Lead, coach, and develop underwriting staff while fostering a high-performing team environment.

• Oversee daily underwriting operations and ensure alignment with departmental and organizational goals.

• Manage staffing, workloads, budgets, and resources to maximize efficiency and control costs.

• Ensure timely loan decisions and efficient lending operations.

• Monitor lending center and underwriter queues to maintain service levels and turnaround times.

• Evaluate loan quality, decision accuracy, and portfolio performance.

• Provide guidance on complex credit decisions, exceptions, and policy interpretation.