Assistant Vice President of Underwriting

Description

A growing financial institution is seeking an experienced Assistant Vice President of Underwriting to lead both Consumer and Mortgage Underwriting functions. This leadership role is responsible for overseeing credit decisioning, underwriting operations, policy administration, regulatory compliance, and team development.

The ideal candidate will bring a strong background in consumer and residential mortgage lending, proven leadership experience, and the ability to drive consistent underwriting practices that support sound credit quality and an exceptional customer experience.

Key Responsibilities

• Lead and develop Consumer and Mortgage Underwriting teams, providing coaching, performance management, and professional development.

• Ensure underwriting decisions align with established credit policies, risk tolerance, and regulatory requirements.

• Maintain and enhance underwriting policies, procedures, and operational practices to support portfolio quality and organizational objectives.

• Oversee workflow management and department operations to ensure timely and consistent loan decisions.

• Exercise lending authority within approved limits and escalate higher-level approvals as needed.

• Partner with lending, operations, compliance, and executive leadership teams to support business growth and operational excellence.

• Ensure appraisal and collateral review processes comply with internal standards and applicable regulations.

• Build strong relationships with internal stakeholders, auditors, regulators, vendors, and other business partners.

• Monitor underwriting trends, portfolio performance, and risk indicators to identify opportunities for improvement.

Requirements

Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field preferred.

• Minimum of 7 years of consumer and mortgage lending/underwriting experience.

• Minimum of 2 years of leadership or people management experience within underwriting, lending, or credit operations.

• Strong knowledge of consumer lending, residential mortgage lending, underwriting guidelines, and regulatory requirements.

• Demonstrated ability to lead, mentor, and develop high-performing teams.

• Strong analytical, decision-making, and risk assessment skills.

• Experience working with lending systems and Microsoft Office applications.

What We're Looking For

• Proven expertise in both consumer and mortgage underwriting

• Strong people leadership and team development skills

• Ability to balance credit quality, compliance, and service excellence

• Collaborative leadership style with strong communication skills

• Strategic thinker who can improve processes while supporting business growth

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