Consumer Lending Underwriter I — On-Site/Hybrid

County National Bank; Hillsdale (MI); Hybrid; USD 45,000 - 65,000; Full time

Job summary

County National Bank in Hillsdale, MI, seeks a Consumer Lender – Underwriter I to underwrite consumer loan applications and determine credit worthiness. The role supports branch managers, adheres to underwriting guidelines, and ensures timely decisions within approval limits.

The position is on-site in Hillsdale with a hybrid/remote option available. Required: Associate degree and 3+ years banking experience; preferred: Bachelor’s degree and 3+ years of loan experience.

Qualifications

• Associates degree in Business or Finance.
• Minimum of three (3) years of general banking experience.
• Bachelor’s degree in Business or Finance (preferred).
• Three (3) years of loan experience (preferred).

Responsibilities

• Reviews underwriting submissions and provides timely underwriting decisions.
• Validates loans per policy and underwriting guidelines.
• Assists loan originators with income analysis and underwriting questions.
• Inputs loan information and maintains disclosures and documentation.
• Prepares, processes, and maintains adverse action notices and denial records.
• Manages portfolio past-due activity and loan reviews with Loss Mitigation.
• Maintains and develops indirect lending relationships with dealer partners.
• Trains staff on lending software and policies.

Skills

Client service

Interpersonal skills

Teamwork

Lending policies

Accounting basics

Financial reports

Verbal communication

Written communication

Data entry

Multitasking

MS Office

Confidentiality

Analytical skills

Organizational skills

Education

Associates degree in Business or Finance

Bachelor’s degree in Business or Finance

Tools

MS Word

Excel

Outlook

Job description

County National Bank in Hillsdale, MI, seeks a Consumer Lender – Underwriter I to underwrite consumer loan applications and determine credit worthiness. The role supports branch managers, adheres to underwriting guidelines, and ensures timely decisions within approval limits.

The position is on-site in Hillsdale with a hybrid/remote option available. Required: Associate degree and 3+ years banking experience; preferred: Bachelor’s degree and 3+ years of loan experience.