BCLS Consumer Underwriter Manager

At Origin Bank, a job isn't just a paycheck - it's a meaningful journey. We're committed to helping you grow both professionally and personally in an environment where people come first. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education.

What truly sets us apart is our people-first culture. Here, you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future.

If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you.

Job Description

Responsible for the consumer loan underwriting activities of the Business/Consumer Lending Services Department, including centralized underwriting/approval of consumer credits up to $ 3million (total relationship),
coordination of consumer credit packages to include business and personal financial information, coordination of loan closing documentation, and coordination of other consumer loan underwriters.

Duties and Responsibilities

• Develops, implements and administers all aspects of the Bank's centralized consumer lending process; including approving loans up to $3,000,000 that exceed the loan authority of Relationship Managers.
• Develops, implements, and administers all aspects of the consumer lending support activities of the department, including managing the bank's consumer credit packages, pipeline reporting, application tracking, and coordination of loan documents with Centralized Loan Processing.
• Develops and maintains advanced knowledge of consumer credit scoring and underwriting industry best practices and recommends policies and procedures that will increase efficiency, improve decisioning, and maximize profitability of consumer lending.
• Directly supervises activities of consumer underwriter associates as they relate to departmental functions
• Ensures departmental activities run smoothly and efficiently by providing leadership, training and supervision.
• Develops and implements policies and procedures that will ensure the effectiveness and productivity of the Business and Consumer Lending Services Department's consumer lending activities.
• Provides all reporting, information requests, and data for Compliance, Audit and Examiners as needed throughout the year for all consumer loan underwriting activities.
• Monitors all consumer loan activity and decisions to ensure compliance with all Fair Lending and other regulatory requirements.
• Manages and trains residential mortgage underwriters for Private Banking Mortgages.
• Ensures Private banking mortgage underwriting team underwrites the loans originated in Origin Bank's Portfolio channel
• Develop, implement, and maintain process and guideline changes with Private Banking programs.
• Directly manages the work queues for the private banking Underwriting department, assigns loans to the underwriting staff and makes recommendations to senior management on staffing levels.
• Monitors credit and underwriting requirements and makes recommendations on internal underwriting policies and procedures.
• Underwrites complex and special program loan applications and makes recommendations to senior management on associated risk characteristics
• Administers relevant credit policies

Supervisory Responsibilities

Directly supervises consumer underwriters in the Business/Consumer Lending Services (BCLS) Department. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Bachelor's degree (B. A.) from four-year college or university, Accounting or Finance degree preferred; eight to ten years related credit experience in the banking/financial industry required.

Computer Skills

To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word and Excel, PowerPoint and QuickBooks. Ability to use basic office machines.

Bank Culture/Customer Service Skills

Promotes the Bank's culture, including the support of our Brand promise and Core Values.

Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.

Other Skills and Abilities

Must have strong working knowledge of the Origin Bank Lending Policy in order to provide proper decisioning of loan applications.

Physical Demands

While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to stand; walk; sit and use hands to finger, handle, or feel. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position operates in a professional banking environment and routinely uses standard office equipment and digital tools such as secure financial systems, computers, phones, photocopiers, and scanners. The role requires maintaining a high level of professionalism, confidentiality, and attention to detail in all interactions.

Work is typically performed in a corporate office setting with a moderate noise level and a dynamic, collaborative, and inclusive workplace where innovation thrives. Expect a fast-paced, supportive atmosphere where your ideas are heard, and your contributions make an impact. This role may occasionally require travel.

This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion.

Our Hiring Process

The following pre-employment screenings will be completed after a conditional offer of employment has been accepted:

• Criminal Background check
• Credit check
• Fingerprint check
• Drug Screen
• OFAC check
• Reference check
• Employment verification
• Education verification

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights