Assistant Vice President of Underwriting

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 ResponsibilitiesLead 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.