Lead 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

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.