Consumer Lending Underwriter: Risk-Smart Decisions

Guardians Credit Union; West Palm Beach (FL); In loco; USD 60.000 - 90.000; Tempo pieno

Descrizione del lavoro

Guardians Credit Union is seeking a Consumer Lending Underwriter to make day-to-day underwriting decisions within the consumer lending portfolio, with potential cross-training to HELOCs and second liens. You will assess creditworthiness, repayment ability, and overall risk while supporting the credit union’s objectives.

The role collaborates with loan officers and lending teams to facilitate timely decisions, maintain documentation, and deliver exceptional member service.

Competenze

• High school diploma or equivalent; degree preferred.
• Minimum of two years in consumer lending, underwriting, loan operations, processing, funding, servicing, or related experience.
• Strong communication skills, both verbal and written.
• Experience underwriting HELOCs and second liens is a plus.
• Proficiency with Microsoft 365.
• Knowledge of lending regulations, risk management, and credit analysis.

Mansioni

• Evaluates applicants’ creditworthiness and makes loan decisions.
• Communicates underwriting decisions to teams and members.
• Calculates debt-to-income ratios and reviews credit reports.
• Assesses collateral and income for self-employed borrowers.
• Maintains accurate loan documentation and reports.
• Supports compliance with lending policies and laws.

Conoscenze

Communication skills

Organizational skills

Independence

Credit report analysis

Multi-priority management

Judgment & confidentiality

Analytical ability

Formazione

Bachelor’s or Associate degree in finance/business/accounting

Strumenti

Microsoft 365

Descrizione del lavoro

Guardians Credit Union is seeking a Consumer Lending Underwriter to make day-to-day underwriting decisions within the consumer lending portfolio, with potential cross-training to HELOCs and second liens. You will assess creditworthiness, repayment ability, and overall risk while supporting the credit union’s objectives.

The role collaborates with loan officers and lending teams to facilitate timely decisions, maintain documentation, and deliver exceptional member service.