Consumer Lending Underwriter

Love Where You Work; Headquarters; On-site; CAD 85,000 - 127,000; Full time

Benefits offered by this job

Annual incentive plan

Comprehensive benefits

Job summary

Utah Community Credit Union (UCCU) is seeking a seasoned loan underwriter to review consumer loan applications, assess credit risk, and make informed decisions. The role supports loan officers and dealership partners, ensuring compliant processing and timely closure of files across centralized and indirect channels.

Responsibilities include collaboration with teams, maintaining documentation, and staying updated on lending programs and regulations.

Qualifications

• Three years of consumer lending or underwriting experience.
• Associate degree or equivalent work experience required; additional coursework in business or finance preferred.

Responsibilities

• Review and evaluate consumer loan applications from centralized direct and indirect channels; assess credit risk and repayment ability.
• Approve, deny, counter, or suspend loans within designated authority; present loans above authority to higher authority as needed.
• Ensure loans are properly prepared, documented, processed, and decisioned in a compliant and timely manner; stay updated on underwriting guidelines and regulatory requirements.
• Provide guidance and support to Loan Officers and Indirect Funders; coach on denials and underwriting standards; assist with training staff and dealership partners.
• Coordinate with loan officers and dealership personnel to answer questions; communicate decisions clearly and promptly.
• Maintain and reconcile loan files; calculate loan-related figures; monitor reports and funding exceptions; ensure accuracy of documentation.
• Maintain dealer relationships through regular calls, events, and visits; provide information about loan products and terms.
• Stay current on software updates, recommend process and underwriting policy improvements, participate in projects, cross-sell products, and inform management of issues.

Skills

Analytical skills

Organizational skills

Problem-solving

Communication skills

Multi-tasking

Attention to detail

Education

Associate degree or equivalent

Business/Finance coursework preferred

Tools

Loan origination systems

Job description

Description

What You'll Do

• Review and evaluate consumer loan applications from centralized direct and indirect dealership channels, including credit reports, collateral values, income documentation, assets, debt ratios, employment and income trends, financial history, and other relevant information to assess credit risk and repayment ability.
• Approve, deny, counter, or suspend loans within designated authority and present loans above authority limits to higher authority as necessary.
• Ensure loans are properly prepared, documented, processed, and decisioned in a compliant and timely manner, while maintaining current knowledge of underwriting guidelines, lending programs, and regulatory requirements.
• Provide guidance and support to Loan Officers and Indirect Funders, help resolve complex loan issues, coach on denied applications and underwriting standards, and assist with training and mentoring consumer lending staff and dealership partners.
• Coordinate with loan officers and dealership personnel to answer questions, communicate decisions, and maintain strong working relationships; respond to member and dealer inquiries promptly and professionally.
• Ensure loan files are complete and accurate; calculate required loan-related figures; prepare and maintain FASB, funding audit, early delinquency, paid invoice, and chargeback reports; monitor missing titles, pending documentation, and funding exceptions; and reconcile ancillary products monthly.
• Maintain and develop dealer relationships through regular phone calls, events, and dealer visits, and provide accurate information about loan products, terms, and approval criteria.
• Stay current on software updates, recommend process and underwriting policy improvements, participate in special projects and team initiatives, cross-sell appropriate Credit Union products and services, and keep management informed of significant problems.

Who You Are

• Associate degree or equivalent work experience required; additional coursework in business or finance preferred.
• Minimum of three years of consumer lending or underwriting experience; prior experience in both centralized and indirect lending environments preferred.
• Thorough understanding of credit reports, tax returns, financial statements, collateral valuation, underwriting standards, and federal and state lending regulations.
• Proficiency with loan origination systems and related software applications.
• Strong analytical, organizational, and problem-solving skills; excellent communication and interpersonal skills; ability to work independently and manage multiple priorities; professional judgment with high attention to detail.

What Success Looks Like

• Loan underwriting decisions align with Credit Union policies and applicable regulations.
• Required reports and documentation are completed accurately and on time.
• Internal teams and external dealership relationships are effectively supported and maintained.
• Loans are efficiently and effectively underwritten to support low delinquency and charge-off ratios.
• Continuous improvement and proactive communication are demonstrated in support of lending goals.
• Problems are closely tracked and effectively resolved.
• Personal delinquency and write-off numbers are in line with Credit Union objectives.
• Works a regular and predictable schedule.

Compensation

Compensation will be based on experience, qualifications, and market alignment. The total package includes a competitive base salary, annual incentive opportunity tied to personal and organizational performance, and comprehensive benefits consistent with UCCU's commitment to its employees.

Why UCCU

Founded in 1955 by a BYU faculty member and six colleagues with just $5 each, UCCU began on a campus stair landing with its assets kept in a cast-iron tub. Seventy years later, Utah Community Credit Union has grown into one of the nation’s fastest-growing credit unions, serving more than 185,000 members with over $3 billion in assets and a clear vision to reach $10 billion by 2033.

What has remained constant is UCCU’s founding philosophy: people helping people. As a not-for-profit, member-owned institution, UCCU is committed to helping members improve their financial strength, achieve their goals, and love where they bank. Today, that mission is matched by a deliberate growth strategy, strong leadership, and a culture built on honesty, service, respect, fiscal responsibility, and investment in people.

For the right person, UCCU offers more than a place to work—it offers a chance to be part of something growing, purposeful, and deeply rooted in helping people thrive. Here, every role matters. Every contribution helps strengthen members, support communities, and shape the future of a trusted, member-owned institution. UCCU looks for people who want to grow as leaders in every part of life—from the boardroom to the family room, and from the bank to the backyard—while building something meaningful together.

Equal Opportunity Employer
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