Consumer Loan Underwriter

Texell Credit Union; Temple (TX); On-site; USD 52,000 - 64,000; Full time

Job summary

Texell Credit Union in Temple, Texas, seeks a Consumer Loan Underwriter to review and approve indirect lending applications, ensure compliance, and manage the indirect lending workflow. The role focuses on accurate documentation, risk assessment, and timely decision-making within authorized limits.

The successful candidate will analyze credit data, identify potential fraud, and collaborate with dealership partners while supporting growth and profitability of the lending program.

Qualifications

• Indirect lending or indirect auto lending experience is preferred.
• Bachelor's degree or equivalent combination of education and experience is preferred.
• Strong analytical, decision-making, and problem-solving skills.
• Ability to learn and effectively utilize lending and core processing systems.
• Excellent communication and relationship-building skills.
• Ability to thrive in a fast-paced, service-oriented environment.
• Availability to work flexible schedules and occasional Saturdays.

Responsibilities

• Review and evaluate consumer loan applications in line with policies and regulatory requirements.
• Ensure loan applications and documentation are accurate, complete, and compliant.
• Approve, counteroffer, or decline loan applications within lending authority.
• Identify red flags or potential fraudulent applications.
• Utilize internal resources to ensure accuracy and minimize risk.
• Manage the indirect lending application queue and assist with direct underwriting.
• Develop and maintain relationships with dealership partners.
• Monitor indirect lending portfolio to support growth, quality, and profitability.
• Perform key functions in the indirect lending process, including transmitting, receiving, closing, and funding loans.
• Train and mentor staff on indirect lending policies and best practices.
• Identify opportunities to deepen member relationships through other products and services.
• Participate in departmental initiatives, process improvements and projects.

Skills

Analytical

Decision-making

Problem-solving

Communication

Relationship-building

Adaptability

Education

Bachelor's degree or equivalent

Tools

Credit union lending systems

Core processing systems

Job description

Top Central Texas Credit Union is seeking a Consumer Loan Underwriter at our Temple, Texas, headquarters! Texell was named one of the Best Credit Unions to Work for in the nation by the Credit Union Journal. Texell has been honored with the Excellence in Lending Award from CUNA Mutual Group, the Desjardins Adult Financial Literacy Award from the Texas Credit Union League, the Best Bank/Credit Union by the readers of the Temple Daily Telegram, Best Credit Union by the readers of the Killeen Daily Herald and the Belton Journal and consistently earns the highest five-star, superior rating for financial soundness from Bauer Financial.At Texell Credit Union, we're committed to helping our members achieve their financial goals through exceptional service and sound lending decisions. We're looking for a Consumer Loan Underwriter who is passionate about member service, skilled in credit analysis, and eager to contribute to the continued growth of our indirect lending program.As a Consumer Loan Underwriter, you will:Review and evaluate consumer loan applications, making lending decisions in accordance with credit union policies, procedures, and regulatory requirements.Ensure loan applications and supporting documentation are accurate, complete, and compliant.Approve, counteroffer, or decline loan applications within assigned lending authorityIdentify red flags or potential fraudulent applicationsUtilize internal resources to ensure accuracy and minimize riskManage the indirect lending application queue while assisting with direct lending underwritingDevelop and maintain strong relationships with dealership partners.Monitor and manage the indirect lending portfolio to support growth, quality, and profitability goals.Perform key functions within the indirect lending process, including transmitting, receiving, closing, and funding loans.Train, mentor, and support staff on indirect lending policies, procedures, and best practices.Identify opportunities to deepen member relationships through additional credit union products and services.Participate in departmental initiatives, process improvements, and special projects.We’re looking for someone who:Indirect lending or indirect auto lending experience (preferred).Bachelor's degree or equivalent combination of education and experience (preferred).Strong analytical, decision-making, and problem-solving skills.Ability to learn and effectively utilize credit union lending and core processing systems.Excellent communication and relationship-building skills.Ability to thrive in a fast-paced, service-oriented environment.Availability to work flexible schedules and occasional Saturdays.Why Join Texell?Full-time schedule (40 hours per week)401(k) with up to a 6% company matchPaid vacation and sick leave beginning on your first dayCareer development and growth opportunitiesCommunity involvement through Texell ServesEmployee appreciation and family eventsCollaborative and supportive team cultureApply today and become part of the Texell team!