Consumer Loan Underwriter

Kavaliro; Pleasanton (CA); Remote; USD 73,000 - 83,000; Full time

Job summary

Kavaliro is seeking a Consumer Loan Underwriter for a long-term contract opportunity. The role centralizes lending decisions, reviews applications, and supports dealer partners and members by communicating loan outcomes and guidance. Weekend availability is required.

The position emphasizes accuracy, compliance with lending guidelines, and collaboration with internal staff to optimize loan opportunities. This remote role may require occasional Bay Area meetings.

Qualifications

• 3+ years of underwriting or related experience.
• A two-year college degree or equivalent certification.
• Ability to work weekends and handle weekend queues.

Responsibilities

• Make decision to approve, deny, or forward loan requests for higher-level approval.
• Analyze current financial position of members to assess risk in lending decisions.
• Review loan applications for completeness and accuracy.
• Explain loan options and programs to partners and staff.
• Process credit disputes and participate in cross-selling lending products.
• Support Lending and Real Estate phone queues and related duties.

Job description

Position Title: Consumer Loan Underwriter

Start Date: 11-2-2026

Status: Contract through 3-31-2027 (with strong possibility go contract to hire)

Pay: $35.00-$40.00 per hour

Location: Remote, but in the Bay Area in case there are occasional meetings which will be very rare

JOB DESCRIPTION:

Our client is seeking a Consumer Loan Underwriter for an exciting long-term contract opportunity. The Consumer Loan Underwriter serves as a Centralized Lending Officer for consumer loan decisions. Receives and evaluates consumer loan requests via Loans PQ. Acts as a resource for information regarding loan decisions, member loan inquiries and company lending products and services. Responsible to grant or deny loans within limits assigned. Provides exceptional service to dealer partners (CUDL), members and potential members by developing professional relationships. Strives to maximize our loan potential while working with internal staff to increase cross selling opportunities with products and service. Must be available to work weekends.

Essential Functions & Responsibilities:

• 40% Makes decision to approve, deny, or forward the loan request to higher levels for decision. Analyzes
• current financial position of members to determine the degree of risk involved in extending credit or lending money.
• 15% Reviews all loan applications for completeness and accuracy.
• 15% Reviews member loan applications, evaluates their needs and recommends loan options and communicates loan decisions and programs to CUDL partners and internal staff.
• 10% Processes credit disputes through E Oscar.
• 10% Participates in sales development activities to identify and and cross sell other lending products when approving loan applications.
• 5% Assists with Lending and Real Estate phone queues.
• 5% Performs other job related duties as assigned.

Performance Measurements:

• Provide informed, prompt, and accurate service and support to all members and associates by
• accurately processing, decisioning, and relaying loan decisions to CUDL partners and internal staff within established time frames and also responding to messages and correspondence within set time
• frames.
• Troubleshoot and resolve member and internal inquiries in a timely, professional, accurate manner.
• Keeps informed of current trends in consumer lending in addition to our current guidelines and promotions.
• Must comply with applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Requirements:

• 3+ years of underwriting or related experience.
• A two-year college degree, or (2) completion of a specialized certification or licensing, or
• (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.
• Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation.
• Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
• MLO license with NMLS Federal Registry or ability to get one a major plus.
• Highly motivated to improve member profitability.
• Must be detail oriented.
• Maintains high service levels to auto dealers participating in the indirect lending program. Ability to work Weekends (Saturday and Sunday).
• Ability to work with minimal to no Supervision (weekends).
• Must possess excellent decision skills, be proactive, possess quality and productivity skills, be solution-oriented and have the ability to work in an environment of flexible and changing work policies/procedures and hours.