Centralized Lending Underwriting Manager

About Us

Kitsap Credit Union is a not-for-profit, member-owned financial cooperative with more than 300 employees and 14 branches throughout Western Washington. We have a passion for making a positive difference. As a $2+ billion-asset credit union, we are deeply committed to our members’ financial wellbeing and the prosperity and quality of life in the communities we serve. We are proud to be led by individuals with the experience and skills to drive our organization towards our goals for strategic growth and operational excellence.

Our KCU Cares Foundation program focuses on providing resources and support for those struggling with homelessness or hunger and improving the financial well‑being of the people in our communities. And beyond monetary efforts, we have provided thousands of hours in staff volunteerism and in‑kind support.

At Kitsap Credit Union, our success is built on trust‑based relationships and personalized service. We understand our employees are key to our success. They provide the personalized service to our members and contribute to the communities where we live. We are committed to providing a supportive, mission‑driven, and inclusive culture where employees can grow their careers. To learn more, visit kitsapcu.org.

Kitsap Credit Union is in search of a Centralized Lending Underwriting Manager. The Centralized Lending Underwriting Manager is responsible for leading and managing the unified Centralized Consumer Lending Underwriting team. This role ensures consistent application of underwriting philosophy across all consumer loan products, supports career development within the team, and maintains high standards of loan decision quality and operational efficiency. The Manager will report directly to the VP of Consumer Lending and play a key role in the implementation and execution of Underwriting goals and targets within the Lending Division.

• Reports to:
  
  VP Consumer Lending
• Employment Type:
  
  Full‑time, hourly, non‑exempt, hybrid
• Salary Range: $91,536.68 - $ depending on experience
• Bonus Target: 8% potential incentive of base pay
• Working hours:
  
  Monday - Friday 8‑5pm
• Grade: 12BC
• Industry: Banking

• Lead and manage the Centralized Consumer Lending Underwriting Team, including Underwriter I, II, III, and Sr. roles.
• Underwrite and handle escalations for all consumer loan products including indirect auto, consumer home equity and HELOC, consumer auto, personal loan, credit card, small business loans, and miscellaneous consumer loans.
• Assess and coach underwriters on the quality of underwriting decisions across all consumer loan products.
• Manage complex underwriting escalations from internal lending teams, dealers, and vendors submitting loan applications.
• Ensure consistent application of underwriting philosophy and risk strategy across all channels including digital, branch, and contact center.
• Support cross‑training initiatives to ensure underwriters are proficient across all loan products.
• Collaborate with the VP of Consumer Lending to develop long‑term credit strategy and centralized underwriting practices.
• Conduct performance evaluations and determine tier levels for underwriters based on skill, experience, and business impact.
• Coordinate pay band reviews and ensure equitable compensation across the underwriting team.
• Contribute to the development and implementation of underwriting policies and procedures.

• Proven ability to lead and develop underwriting teams across multiple consumer loan products.
• Strong understanding of underwriting principles for indirect auto, consumer auto, personal loans, credit cards, home equity loans, HELOCs, and small business loans.
• Expertise in managing complex loan escalations and making sound credit decisions under pressure.
• Skilled in coaching underwriters and assessing decision quality across diverse lending channels.
• Ability to apply and enforce consistent underwriting philosophy and risk strategy across digital, branch, and contact center channels.
• Experience in performance evaluation, tier structuring, and equitable compensation planning.
• Proficiency in underwriting systems and data analysis…