BPWCCUL | Manager - Credit Underwriting

Loan Application

CAREER OPPORTUNITY

Submission Deadline: June 7, 2022

The Manager – Credit Underwriting provides leadership and oversight for the loans processing centre. The role is also responsible for meeting organizational goals while assessing and implementing operational efficiencies through improved processes.

Duties and Responsibilities:

Develops, implements and oversees the credit underwriting process including all activities related to all loans including restructured and business loans.
Supports the development and implementation of the Operations Department’s strategy and operating budget.
Manages the department’s day to day as well as strategic function in accordance with the agreed strategic plan.
Develops strategies, tactical plans and work flows to achieve the department’s and organization’s objectives.
Works with key stakeholders to create and implement comprehensive campaigns to increase loans uptake amongst current and future members.
Works with key stakeholders to ensure the development of appropriate loans product and added value services for members.
Chairs or participates in appropriate committees and project teams as necessary.
Ensures that the department is managed to agreed budget, prepares appropriate forecasts, projections and reports.
Ensures that the required reports and documentation are prepared and submitted according to the appropriate standards and deadlines.
Establishes, maintains and updates Standard Operating Procedures for the Department.
Organises and directs the daily activities of the Department ensuring the timely underwriting, documenting and coordinating of loans in compliance with the Credit Union’s lending policies and procedures.
Responsible for the timely delivery of loans to branches based on the agreed service level agreements.
Be a key partner in the resolution of member/customer service issues related to area under remit.
Ensures all loans are underwritten to ensure reduced credit risk and maintenance of a minimum rate of delinquency.
Ensures that member/customer queries and issues are resolved within required timeframes.
In conjunction with the key stakeholders, makes recommendations for rate changes, lending limit reviews and exceptions.
Complies and adheres to security, internal controls, procedures and standards, monitoring and reporting as appropriate, ensuring appropriate separation of duties.
Ensures accurate and high-quality customer records management, creates, analyses and interprets reports relating to the performance of the department.
In conjunction with key stakeholders, identifies new and viable markets for lending services and products.
Manages, and supervises the assigned personnel to ensure a regular, high standard of performance in accordance with HR and other organisational policies.
Supervises credit underwriters to ensure that internal customers experience a quality and positive service.
Oversees the workflow, sets objectives, manages performance and ensures a high level of engagement within the team.
Ensures the continued development of employees, providing coaching, training and development opportunities to improve skills, attitude and competence.
Ensures the suitable recruitment, orientation and selection of employees in the team.
Leads by example to establish a target and service driven culture, seeking to regularly improve the performance of the team.
Any other duties ancillary or related to the foregoing.

Knowledge, Qualifications and Experience

BSc. in Management or a related discipline with at least five (5) years' related experience.
Ability to perform in a high-volume environment and meet deadlines while maintaining exceptional attention to detail.
Desire to win, results-oriented and strong work ethic.
Strong interpersonal skills and a decisive approach to problem solving required, which facilitates interaction with members at all levels and particularly with members who often face challenging financial situations.