Location: Albuquerque, NM 87109
Required work schedule: (not a remote or hybrid position)
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Monday to Friday: 8:30 AM to 5:30 PM
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Rotating Saturdays: 8:30 AM to 1:30 PM
As a valued full-time team member, you'll enjoy fantastic benefits that promote your health and well-being:
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Comprehensive Medical, Dental, and Vision Insurance
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Paid Short-Term Disability, Life Insurance, and AD&D
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Holiday Pay, Vacation, Birthday, Floating Holiday & Sick Leave
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Tuition Reimbursement for Professional Development
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401(k) Plan with Employer Match
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Pension Plan for Long-term Security
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Exciting Opportunities for Career Advancement
Overall Purpose:
At Sandia Area, every position plays a vital role in fulfilling our mission to deliver high-value banking and lending services that strengthen the financial well-being of our members and community. Each team member is expected to embody our core values of Service, Sustainability, Efficiency, Trust, Stewardship, and Growth, contributing to our vision of empowering lifelong achievement through better banking.
The Consumer Underwriting Manager oversees the underwriting operations for consumer and real estate loans, ensuring sound credit decisions that align with the credit union’s lending policies, risk tolerance, and strategic objectives. This role leads the underwriting team, monitors loan quality, ensures regulatory compliance, and supports efficient loan processing and exceptional member service. The position requires strong knowledge of lending regulations, attention to detail, and a commitment to confidentiality and integrity in the lending process.
Responsibilities include, but are not limited to:
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Lead, coach, and develop underwriting staff while fostering a high-performing team environment.
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Oversee daily underwriting operations and ensure alignment with departmental and organizational goals.
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Manage staffing, workloads, budgets, and resources to maximize efficiency and control costs.
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Ensure timely loan decisions and efficient lending operations.
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Monitor lending center and underwriter queues to maintain service levels and turnaround times.
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Evaluate loan quality, decision accuracy, and portfolio performance.
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Provide guidance on complex credit decisions, exceptions, and policy interpretation.
Knowledge, Skills, and Abilities (KSAs)
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Expertise in underwriting consumer and real estate loans, with a strong understanding of financial institution operations.
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Strong knowledge of credit analysis, income calculation, debt-to-income evaluation, and lending regulations.
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Familiarity with credit union lending philosophy, member service principles, automated underwriting systems, and loan origination platforms.
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Strong analytical, decision-making, and problem-solving skills.
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Proven leadership, coaching, and team development abilities, with the ability to set expectations, provide feedback, and foster a high-performance culture.
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Strategic mindset with the ability to align team performance with departmental and organizational objectives.
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Ability to analyze data and performance metrics to improve operational efficiency and results.
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Excellent communication, interpersonal, and emotional intelligence skills.
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Strong organizational and time-management skills, with the ability to manage multiple priorities in a fast-paced environment.
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Collaborative, adaptable, and proactive approach to professional growth and continuous improvement.
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Proficiency in Microsoft Office applications, including Outlook, Word, Excel, and PowerPoint.
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Ability to perform essential job functions, including occasionally lifting up to 10 pounds.
Minimum Education and Experience requirements
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Bachelor's degree in related field.
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Directly related experience, in addition to minimum years required, may be considered as a substitution.
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Three (3) year(s) of applicable experience required with at least Two (2)year(s) in a supervisory or leadership role.
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Prior financial institution experience, including progressive responsibilities in consumer lending required.
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Technical study of loan practices required.
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General knowledge of credit unions or financial institutions and operations preferred
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Must be in good standing with the Nationwide Mortgage Licensing System and Registry.
*** Please submit an employment application to www.sandia.org/careers ***
Sandia Area Federal Credit Union (SAFCU) is an Equal Opportunity Employer.
SAFCU provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
Skills Required
- Expertise in underwriting consumer and real estate loans
- Strong knowledge of credit analysis, income calculation, debt-to-income evaluation, and lending regulations
- Familiarity with automated underwriting systems and loan origination platforms
- Proven leadership, coaching, and team development abilities with supervisory experience
- Ability to analyze data and performance metrics to improve operations
- Proficiency in Microsoft Office applications including Outlook, Word, Excel, and PowerPoint
- Bachelor's degree in a related field (or directly related experience may substitute)
- Three years of applicable experience with at least two years in a supervisory or leadership role
- Prior financial institution experience with progressive consumer lending responsibilities
- Technical study of loan practices
- Must be in good standing with the Nationwide Mortgage Licensing System and Registry (NMLS)
- Strong communication, interpersonal, and emotional intelligence skills
- Strong organizational and time-management skills; ability to manage multiple priorities
- General knowledge of credit unions or financial institutions and operations
- Ability to perform essential job functions, including occasionally lifting up to 10 pounds
What We Do
Sandia Area Federal Credit Union is the state’s fifth largest credit union with locations in Albuquerque, Rio Rancho, and Santa Fe. We are a member-owned financial co-op that is federally insured by NCUA. We extend membership to people and organizations who embrace the values of Permaculture, or live, work, worship, volunteer, or attend school in the city of Rio Rancho, or Bernalillo, Cibola, Torrance, or Valencia county. Our members have access to nearly 30,000 free ATMs nationwide, state-of-the-art Mobile and Online Banking, and protection when using debit cards through EMV chip technology. Sandia Area offers complete banking solutions for all your business needs – regardless of the size. Whether you're a sole proprietor, a non-profit, or large enterprise organization, Sandia Area offers Better Business Banking solutions, an exceptional member experience, and local, personalized service you can’t find anywhere else. Partner with Sandia Area to achieve your business objectives, and start growing with a credit union who understands local business. Looking for a long-term career that offers professional advancement and growth? Join Sandia Area Federal Credit Union. Our employee benefit package includes comprehensive medical, dental, and vision, a 401(k) with employer match, a defined benefit pension plan, paid federal holidays, paid vacation, paid birthday leave, paid sick leave, and competitive salaries and incentives. Visit sandia.org/careers to view our current openings. We are committed to improving the well-being of our members, our community, and our environment. We actively contribute donations and sponsorship's to nonprofits that align with our 4 pillars of community support, including: Community Outreach, Environment and Permaculture, Education and STEAM, and military members and their families.
