Senior Consumer Credit Underwriter

Why Broadway Bank:

We are one of the largest independently owned banks in
Texas with offerings in personal and private banking, wealth management,
business banking and mortgage lending.

Position Overview:

The Senior Consumer
Credit Underwriter is responsible for the highest level of consumer loan underwriting
expertise within the bank. This role ensures the accurate analysis and
assessment of consumer loan applications in compliance with regulatory
requirements and internal guidelines. The position requires an in-depth
understanding of all consumer loan products, policies, and underwriting
procedures, including Private Bank consumer loans. Additionally, this role
provides leadership in training and coaching lower-level underwriters and
supports process improvements to enhance underwriting efficiency.

Essential Functions:

• Possesses
  expert knowledge of consumer loan products, policies, and procedures,
  including general consumer and Private Bank consumer loans.
• Underwrites
  and approves consumer loans in accordance with Consumer Credit Policy and
  Guidelines, making rate and policy exceptions within assigned lending
  authority. Evaluates applications outside of lending authority and
  provides recommendations.
• Ensures compliance with all regulatory requirements and monitors lower-level underwriters' activities to uphold departmental compliance.
• Provides
  guidance and support to bankers, Private Bank, and Loan Processing teams
  to facilitate efficient and complete loan applications.
• Analyzes
  complex personal/business income tax returns and personal financial
  statements to determine loan eligibility. Reviews and assesses
  documentation provided by borrowers and external entities.
• Serves
  as a key resource for internal and external customer inquiries, responding
  in a timely and professional manner.
• Develops
  underwriting guidelines, written procedures, and lending strategies in
  collaboration with the Consumer Credit Manager.
• Provides
  on-the-job training, coaching, and guidance to lower-level underwriters,
  serving as a subject matter expert on consumer and Private Bank loan
  products.
• Leads
  new loan underwriting projects and bank-wide initiatives, making
  recommendations to improve the bank's credit decisioning process and
  underwriting efficiency.
• Identifies
  and implements process improvements to enhance risk management, improve
  efficiency, and ensure competitive advantage.
• Assists
  in developing performance plans and conducting annual reviews for
  lower-level underwriters.
• Promotes
  cross-selling opportunities by identifying related bank products and
  services that align with customers' financial needs. Coaches underwriters
  on cross-selling techniques.
• Conducts
  testing for rate changes and system upgrades within the loan origination
  system, identifying discrepancies and recommending enhancements.
• Performs additional duties
  as assigned by management to support the bank's lending objectives.
• This position may require travel within the Bank's geographic area.
  

Experience & Education:

• 7+ years of Private Bank underwriting
  experience with lending authority.
• 5+ years of consumer loan/Private Bank
  underwriting experience in a lead capacity.
• Thorough knowledge of consumer lending and regulatory issues is a plus.
• Experience with credit
  scoring, automated application, and underwriting systems is preferred.
• Expertise in consumer lending document preparation and closing requirements is preferred.
• 7+ years of consumer loan/consumer experience preferred.

Skills & Qualifications:

• Strong analytical and decision-making skills with the ability to underwrite complex consumer and Private Bank loans.
• Proficiency in assessing financial statements, tax returns, and credit reports to determine creditworthiness.
  
• In-depth knowledge of consumer lending policies, compliance regulations, and risk management practices.
• Experience with credit scoring models and automated underwriting systems.
• Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) and financial software systems such as Meridian Link and FiServ.
• Strong interpersonal and communication skills, with the ability to effectively train, mentor, and collaborate with internal stakeholders.
• Excellent problem-solving and strategic-thinking capabilities to drive process improvements.
• Ability to work efficiently under pressure, managing multiple priorities while meeting deadlines.
• Strong attention to detail and organizational skills to maintain accuracy and compliance.

Other Requirements:

• Requires the ability to lift, carry, push, pull weights or otherwise move objects weighing as much as 10 lbs. on a regular basis and/or for extended periods of time during the workday.
• Occasional overtime or extended hours may be required.

We're a culture that offers resources to benefit your
overall health and well-being:

• Career Development and Mentorship Programs
• Generous paid time off, minimum 4 weeks
• Employee recognition, awards, and events
• Free vision insurance
• Retirement matching
• Tuition reimbursement

This job description is not
designed to be a comprehensive listing of duties, responsibilities, or
activities that are required for this job. Duties, responsibilities, and
activities may change at any time with or without notice.

Broadway Bank
is proud to be an Equal Opportunity and Affirmative Action Employer. Broadway
Bank is a drug-free and tobacco-free workplace, with a nicotine-free hiring
policy. All qualified applicants will receive consideration
for employment without regard to race, color, ethnicity, religion, sex, sexual
orientation, gender identity, national origin, disability, protected veteran
status, genetic data or other legally protected status.

Member FDIC