Consumer Loan Underwriter

Nizari Progressive Federal Credit Union; Sugar Land (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

Nizari Progressive Federal Credit Union is seeking a knowledgeable Underwriter to evaluate consumer loan applications and make sound lending decisions that balance member service, risk management, and organizational goals.

The ideal candidate will review applications, credit reports, income documentation, and collateral information, while ensuring compliance with lending regulations and policies. Join a team focused on financial well-being and member satisfaction.

Qualifications

• 2+ years of consumer lending, underwriting, or related financial services experience.
• Strong understanding of lending processes, credit analysis, debt-to-income calculations, and risk assessment.
• Ability to make confident, independent lending decisions within delegated authority.
• Knowledge of lending regulations and compliance requirements.
• Excellent verbal and written communication skills.
• Proficiency with lending and core banking systems.

Responsibilities

• Review and analyze consumer loan applications, credit reports, income documentation, collateral information, and other supporting documents.
• Make independent lending decisions within established lending authority and guidelines.
• Apply sound judgment to evaluate exceptions and unique lending situations while balancing risk and member needs.
• Assess members' ability and willingness to repay based on financial analysis and creditworthiness.
• Structure loan terms and conditions aligned with organizational policies and members' financial goals.
• Collaborate with branch staff, lending personnel, and management to ensure timely loan processing and approvals.
• Communicate underwriting decisions clearly and professionally to internal stakeholders.
• Ensure compliance with all applicable federal regulations, credit union policies, and lending procedures.
• Maintain accurate records and loan documentation.
• Identify potential fraud risks and escalate concerns appropriately.
• Contribute to process improvements that enhance member experience and operational efficiency.
• Support Nizari PFCU's commitment to exceptional member service and financial well-being.

Skills

Lending processes

Credit analysis

Risk assessment

Independent lending decisions

Flexibility & judgment

Communication skills

Lending systems proficiency

Tools

Lending systems

Core banking systems

Job description

Nizari PFCU seeks a knowledgeable, member-focused Underwriter to evaluate consumer loan applications and make sound lending decisions that balance member service, risk management, and organizational goals. The ideal candidate will have a strong understanding of lending principles, credit analysis, regulatory requirements, and underwriting practices, and will demonstrate the ability to exercise independent judgment and flexible decision-making based on individual member circumstances.

Key Responsibilities

• Review and analyze consumer loan applications, credit reports, income documentation, collateral information, and other supporting documents.
• Make independent lending decisions within established lending authority and guidelines.
• Apply sound judgment to evaluate exceptions and unique lending situations while balancing risk and member needs.
• Assess members' ability and willingness to repay based on financial analysis and creditworthiness.
• Structure loan terms and conditions aligned with organizational policies and members' financial goals.
• Collaborate with branch staff, lending personnel, and management to ensure timely loan processing and approvals.
• Communicate underwriting decisions clearly and professionally to internal stakeholders.
• Ensure compliance with all applicable federal regulations, credit union policies, and lending procedures.
• Maintain accurate records and loan documentation.
• Identify potential fraud risks and escalate concerns appropriately.
• Contribute to process improvements that enhance member experience and operational efficiency.
• Support Nizari PFCU's commitment to exceptional member service and financial well-being.

Qualifications

Required

• 2+ years of consumer lending, underwriting, or related financial services experience.
• Strong understanding of standard lending processes, credit analysis, debt-to-income calculations, and risk assessment.
• Ability to make confident, independent lending decisions within delegated authority.
• Demonstrated ability to exercise flexibility and sound judgment when evaluating non-traditional or complex lending scenarios.
• Knowledge of lending regulations and compliance requirements.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent verbal and written communication skills.
• Proficiency with lending and core banking systems.

Preferred

• Experience in a credit union environment.
• Experience with indirect lending, credit cards, and unsecured lending products.
• Knowledge of consumer lending regulations including Fair Lending, ECOA, and other applicable requirements.

Core Competencies

• Analytical Thinking
• Member Focus
• Attention to Detail
• Integrity and Accountability
• Communication and Collaboration
• Sound Judgment

At Nizari PFCU, we are committed to helping our members achieve financial success while fostering a collaborative, supportive, and service-oriented culture. We value employees who combine strong technical expertise with a genuine desire to make a positive impact in our members' lives.