Consumer Lending Underwriter

SECU Credit Union; United States; On-site; USD 33,916 - 44,110; Full time

Benefits offered by this job

Medical, dental, and vision benefits

401k plan with company matching

Generous sick, vacation, and personal leave

Job summary

A financial services organization is looking for a Consumer Lending Underwriter to evaluate consumer loan applications and ensure regulatory compliance. Duties include underwriting decisions, maintaining service level agreements, and fostering a positive experience for members. Ideal candidates should have at least 2 years of relevant experience and strong analytical and communication skills. This role offers a competitive hourly wage and benefits including medical, dental, and 401k matching.

Qualifications

• 2 years of experience underwriting or in a consumer financial position.
• Demonstrates understanding of SECU’s culture and core values.
• Ability to work flexible hours.

Responsibilities

• Examine, evaluate, and underwrite Consumer Loan applications.
• Approve and deny consumer loans.
• Maintain regulatory compliance with financial laws.

Skills

Strong analytical skills

Strong communication skills

Organizational skills

Job description

Who We Are

At SECU, we put our employees first, recognizing that their well‑being and professional development are vital to our success. By fostering a supportive and empowering work environment, our employees are committed to helping members achieve long‑term financial security. They are also inspired to give back to the communities we serve by volunteering and spreading kindness, which reflects our core values and who we are as an organization. Every employee at SECU contributes to our member’s financial well‑being, and we’ll always do what’s right for our members, employees, and communities. Feel good about what you do. Belong to a place where you matter and can make a difference.

What You Will Do

The Consumer Lending Underwriter is responsible for examining, evaluating, and underwriting all Consumer Loan applications to assess risk, confirm compliance with guidelines and all regulatory requirements (both state and federal), and render a sound credit decision. The Underwriter will have the authority to approve and deny consumer loans, recommend decisions to partner credit unions on exceptions, and adhere to the agreed‑upon service level agreements (SLAs) between S3 and the partner credit unions. They will maintain regulatory compliance with the Bank Secrecy Act, OFAC, the USA Patriot Act, Fair Lending, and Information Security.

A Day In Your Life Might Include

• Underwriting applications for direct and indirect lending.
• Answering calls and maintaining an established answer percentage rate.
• Responding to email inquiries promptly and accurately.
• Consistently maintaining SLAs for partner credit unions.
• Maintaining established quality control goals for all decisions.

Additional Responsibilities May Include

• Completing daily scorecard entries.
• Successfully collaborating with other department team members.
• Maintaining a positive member experience with STAR Values.
• Incorporating changes to guidelines and procedures.
• Additional job‑related projects and duties as assigned by management.

Experience Requirements

• 2 years of experience underwriting or in a consumer financial position.
• Takes personal responsibility for decisions, actions, failures and overall deliverables.
• Utilizes oral and written communication to enhance relationships across the organization.
• Communicates information, thoughts and ideas clearly, concisely and organized.
• Relates comfortably with people across levels, functions, culture, and geography.
• Demonstrates an understanding of SECU’s culture, core values, mission and strategic priorities.
• Highly organized and able to handle a fast‑paced environment.
• Strong analytical skills with a high degree of accuracy.
• Strong communication skills, both written and verbal.
• Adjusts quickly to shifting priorities.
• Ability to work flexible hours.

Physical Requirements

• Must be able to remain in a stationary position, often standing or sitting for prolonged periods.
• Must be able to lift up to 25 pounds.

Compensation Information

Offers will be commensurate with experience and education.

• Hourly Rate Range: $24.62 – $32.02

Other Compensation Includes

• Annual corporate‑wide incentives.

Benefits

We provide comprehensive benefits, with a focus on total well‑being:

• Medical, vision, dental benefits.
• 401k plan with company matching.
• Generous sick, vacation and personal leave.
• And more—see SECU Benefits Guide.

SECU is committed to fostering a diverse, equitable, and inclusive workforce where all individuals are valued and respected. We take pride in providing equal opportunities for all qualified applicants regardless of race, ethnicity, national origin, gender, sexual orientation, gender identity or expression, religion, military or veteran status, or any other characteristics protected by law.