Consumer Loan Underwriter

Community First Credit Union; Neenah (WI); On-site; USD 55,000 - 75,000; Full time

Job summary

Community First Credit Union is seeking a Consumer Loan Underwriter who balances loan requests with guidelines, policies, and regulations to deliver fair outcomes. You will analyze applications quickly, provide decisions, and help educate members when approvals aren’t immediate.

An ideal candidate has a bachelor’s degree in Business or Finance, 5–7 years of lending/underwriting experience, strong analytical skills, excellent communication, and solid MS Office proficiency.

Qualifications

• Bachelor’s degree in Business, Finance, or related field
• 5–7 years of lending/underwriting experience
• Strong analytical skills with ability to analyze tax returns, appraisals, and title work
• Knowledge of loan policies, regulations, and compliance training
• Excellent written and verbal communication with empathetic manner
• Proficiency with Microsoft Office
• Ability to balance productivity with attention to detail

Responsibilities

• Provide outstanding, quality service to external and internal members
• Approve/deny consumer loan requests within loan policy, communicating all needed conditions in writing
• Coach and mentor Member Service Representatives to avoid incomplete loan applications
• Identify and recommend opportunities to help members save money and meet their financial goals
• Review valuations, income/tax returns and title work needed to finalize loan conditions
• Balance productivity and attention to detail to meet member service levels while offering underwriting expertise
• Recognize viable loan alternatives when initial requests are not feasible; offer choices instead of denial
• Work well under pressure to meet deadlines and exercise sound judgment

Skills

Analytical skills

Communication

Decision making

Attention to detail

Coaching/Mentoring

Underwriting

MS Office

Education

Bachelor’s degree in Business/Finance

Tools

Microsoft Office

Job description

We believe loans aren’t documents; each loan represents a member of our cooperative. As a Consumer Loan Underwriter, you’ll expertly balance loan requests with guidelines, policies, and regulations to ensure the best outcome for all. Thriving in a fast-paced environment, analyzing consumer loan applications quickly and efficiently, and providing loan decisions, will be a critical part of your role. You’ll also have a voice in actively looking to Find a Way to promote an educational process for those we cannot immediately approve. If being involved with an organization where relationships matter sounds like the perfect way to highlight your skills, we should talk!

As a Consumer Loan Underwriter, you will:

• Provide outstanding, quality service to external and internal members
• Approve/deny consumer loan requests within loan policy, communicating all needed conditions in writing
• Coach and mentor Member Service Representatives to avoid incomplete loan applications
• Ide ntify and recommend opportunities to help members save money and meet their financial goals
• Review valuations, income/tax returns and title work needed to finalize loan conditions
• Balance productivity and attention to detail to meet member service levels while offering the highest level of underwriting skill/expertise
• Recognize viable and creative loan alternatives when initial requests are not feasible; giving members a choice instead of an outright denial
• Work well under pressure to meet multiple deadlines and exercise sound judgment

An ideal candidate will have a combination of:

• Bachelor’s degree in the area of Business, Finance, or a related field; five to seven years of lending/underwriting experience; or equivalent combination of education and expertise
• Exceptional analytical skills with the ability to analyze tax returns and financial information, appraisals, title work, subordination requests, exchange of collateral requests, and other items as needed
• Ability to act in accordance with Community First Credit Union policies and procedures, complete all required compliance training/continuing education within the specified timeframe, and maintain a thorough knowledge of all internal operating procedures, products, and policies within the Consumer Lending Department, as well as applicable laws and regulations
• Good communication skills with an empathetic manner
• Strong PC-based skills with the ability to use Microsoft Office products
• Excellent decision making, strong analytical skills and fine attention to detail

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.