Manager of Indirect Lending and Underwriting

Manager of Indirect Lending and Underwriting - Consumer Lending

Remote Work - Hybrid:
This hybrid remote role is based out of our Irwindale, California headquarters and offers a blend of in‑office collaboration and remote work flexibility.

At Rize, we believe banking should be human, innovative, and continuously evolving. We are seeking a collaborative and forward‑thinking Manager of Consumer Lending to lead our centralized underwriting operations across direct and indirect consumer lending programs.

In this role, internally known as Manager of Consumer Lending, you'll lead the day‑to‑day operations of our consumer underwriting function, overseeing direct and indirect lending workflows, coaching underwriting teams, and driving operational performance.

• Leading and developing a high‑performing underwriting team
• Managing underwriting operations for direct and indirect consumer loan products, including auto loans and leases
• Supporting dealer and third‑party lending partner relationships
• Monitoring lending quality, service levels, workflow efficiency, and operational performance
• Exploring and leveraging automation, analytics, workflow technologies, and AI‑enabled tools to improve underwriting consistency, operational efficiency, decision quality, and team effectiveness
• Helping identify opportunities where emerging technologies and AI solutions can streamline processes, reduce manual effort, improve workflows, and enhance the overall lending experience
• Partnering cross‑functionally with Risk Management, Collections, Loan Production, and other operational teams

• Curious about emerging technologies and motivated to continuously improve operational processes
• Comfortable experimenting with new tools, automation solutions, and AI‑enabled technologies to enhance productivity and decision‑making
• Forward‑thinking and adaptable, with a mindset focused on innovation, efficiency, and continuous improvement
• An experienced consumer lending and underwriting professional with strong operational knowledge
• A confident coach and leader who develops teams and reinforces accountability
• Tech savvy and naturally curious about automation, AI tools, and operational innovation
• Comfortable using data, dashboards, and metrics to drive decisions and improve performance
• Skilled at building strong relationships with dealers, vendors, lending partners, and internal stakeholders
• Adaptable, collaborative, and energized by continuous improvement

Required

• 5+ years of experience in consumer lending, underwriting, loan production, or centralized lending operations within a financial institution
• 2+ years of leadership or supervisory experience managing lending or underwriting teams
• Experience making consumer credit decisions and exercising lending authority
• Experience managing workflow, productivity, service levels, and operational performance in a high‑volume environment

Preferred

• Experience with direct and indirect lending programs, including auto lending and lease products
• Experience with process improvement, workflow automation, or AI‑enabled operational tools
• Credit union experience
• Bachelor's degree in Business, Finance, or related field
• Bilingual English/Spanish skills

At Rize Credit Union, we’re building a modern, forward‑thinking lending environment where innovation, collaboration, and member impact matter. We continue to invest in technology, automation, AI‑enabled tools, and process improvement initiatives designed to create smarter workflows, stronger employee experiences, and more seamless member interactions. We’re looking for leaders who are excited to challenge traditional processes, embrace evolving technology, and help shape the future of consumer lending operations.

If you’re looking for an opportunity to help shape the future of consumer lending operations while leading a talented team in a growing and evolving organization, we’d love to hear from you.

The expected pay range for this role at Rize Federal Credit Union is $100,000 - $125,000/year. This range is based on candidates living locally in California. Actual compensation is determined by experience, education, skills, internal equity, and other job‑related factors.

As part of the hiring process, candidates who receive a contingent offer will undergo a background investigation, which may include employment verification, credit review, criminal records search, Social Security verification, and government registry checks. Candidates must also meet eligibility requirements to be bonded under a fidelity bond.

Rize Federal Credit Union is an Equal Opportunity Employer.