Director Consumer Loan Underwriting

Director Consumer Loan Underwriting

Job Category: Consumer Lending Operations Requisition Number: DIREC002183

Posted: July 13, 2026

Full-Time

Centra Corporate HQ Columbus, IN 47201, USA

Description

Thank you for your interest in a career with Centra. A career at Centra Credit Union is more than a job; it is an opportunity to make a meaningful impact in our Members' financial lives and our communities. Centra was established in 1940 and is headquartered in Columbus, Indiana. Centra is ranked among the largest credit unions in Indiana and among the most financially sound institutions in the United States. Centra serves Membership throughout central and southern Indiana as well as other areas like Jamestown, NY, and Whitakers, NC. Centra Team Members enjoy excellent benefits, an atmosphere that fosters family and work-life integration, a heritage of strong values, a high level of Team Member engagement in the achievement of results, and the opportunity for growth with the Centra Family. Credit Unions are Not for Profit, Not for Charity, But for Service. If these are the things that matter to you then please read on, we look forward to hearing from you.

Centra Credit Union has an exciting opportunity for a Director Consumer Loan Underwriting position in Columbus, Indiana. The Director Consumer Loan Underwriting will supervise the Consumer Loan Underwriting Team while providing quality, consistent and timely underwriting and decisioning of Consumer and Indirect loans in compliance with Centra's policies and procedures and credit union regulations. Maintain proactive communication and collaboration with Retail Lending, Dealer Partners, and other Lines of Business. Develop and recommend strategic direction for the consumer loan underwriting department, focusing on optimizing underwriting processes for credit quality, efficiency, and profitability. Reviews and recommends automated underwriting decision criteria and policies to help achieve budgeted loan growth and compliance with all loan regulations. Collaborates with external partners and vendors to identify strategic opportunities and solutions that drive strategic growth and operational excellence.

At Centra, we approach compensation with care and integrity, ensuring our pay practices reflect local markets while honoring our commitment to our Team Members. Compensation is just one part of our total rewards approach. Eligible positions also offer a comprehensive benefits package designed to support you and your family.

Spanish/English interpreters may be eligible for an interpreting differential.

Essential Functions: This position may be required to perform additional duties as requested. Reasonable accommodations may be made to enable individuals with disabilities to perform.

• Manages and supervises the Consumer Underwriting Team while providing timely, quality, and consistent underwriting and decisioning of Consumer and Indirect loans.
• Assist in maintaining credit quality targets through proper underwriting controls adhering to lending policies and procedure while maintaining the credit union's Board-approved Credit Risk Appetite.
• Reviews automated decision criteria and policies to achieve budget loan growth goals and operational efficiency, all while maintaining compliance with all lending regulations and recommends revisions to said attributes when necessary.
• Strategically manage, execute, and monitor all preapproved offers of credit, looking for ways to enhance the current preapproval environment while scanning the environment for enhanced alternative vendor solutions.
• Develop and recommend strategic directions for the consumer loan underwriting department, focusing on optimizing our underwriting processes for credit quality, efficiency, and profitability.
• Responsible for developing and delivering comprehensive portfolio reports that track and analyze performance metrics for Consumer and Indirect Lending, informing management and for use in developing and executing strategic decisions.
• Manage Indirect Dealer Relations, Indirect reporting & Indirect portfolio concentration. Reporting to leadership on any indirect trend, challenges or changes.
• Develops and updates all procedures regarding underwriting functions, guidelines, and applicable workflows. Performs on-going reviews, ensuring they meet the needs of the credit union and complies with State and Federal regulations and guidelines.
• Collaborates and communicates effectively with other lines of business, leadership, and the Retail team. Identifying tactics to better streamline the Consumer Lending process and to improve Member and Team Member Experience.
• Supervises the day-to-day operations of Consumer Underwriting. Supervisory duties include performance management, training, and development, and demonstrating and cultivating Centra's Vision, Mission, Culture, and Core Values.

Education & Experience - (Equivalent combination of education & experience will be considered):

• Associate's Degree in Related Field
• Five years to eight years of similar or related experience, including preparatory experience.

Centra is an Equal Opportunity Employer

Qualifications

Required

Associates or better.

Preferred

5-8 years related experience or better.

Equivalent combination education & experience or better.

Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.