Consumer Loan Underwriter & Credit Risk Specialist

First New York Federal Credit Union; Town of Colonie (NY); On-site; USD 65,000 - 95,000; Full time

Job summary

First New York Federal Credit Union is seeking a loan underwriter to evaluate loan applications for risk and approve requests aligned with member needs. The role involves discretionary decision-making, credit analysis, and ensuring regulatory compliance.

You will work in a fast-paced, fully on-site environment, performing loan analysis and offering structured loan solutions while maintaining high standards of member service and ethical practices.

Qualifications

• Two to four years of lending experience in credit union/banking environment.
• Credit skills, interpersonal skills and ability to communicate clearly while handling multiple priorities.
• Commitment to making performing loans and strong service attitude.

Responsibilities

• Approve or deny loans based on board policies, compliance and credit criteria.
• Construct and approve loan offers within delegated authority.
• Conduct credit analysis including cash flow, debt ratios, credit scoring and collateral valuation.
• Ensure regulatory disclosures are sent timely and in a compliant manner.
• Develop cross-sell and up-sell opportunities to maximize member relationships.

Skills

Credit analysis

Interpersonal skills

Communication

Multitasking

Risk awareness

Job description

First New York Federal Credit Union is seeking a loan underwriter to evaluate loan applications for risk and approve requests aligned with member needs. The role involves discretionary decision-making, credit analysis, and ensuring regulatory compliance.

You will work in a fast-paced, fully on-site environment, performing loan analysis and offering structured loan solutions while maintaining high standards of member service and ethical practices.