Consumer Loan Underwriter - Risk & Lending Expert

Allegacy Federal Credit Union; Frontis (NC); On-site; USD 65,000 - 90,000; Full time

Job summary

Allegacy Federal Credit Union in North Carolina seeks a Mortgage Loan Underwriter to assist members with loan applications, advise on products, verify documents, and underwrite home equity loans across state guidelines. You will collaborate with centers to ensure compliant underwriting and training teammates.

The role emphasizes cross-selling AFCU services, delivering needs-based advice, and maintaining high service standards while protecting the credit union from risk.

Qualifications

• At least two years in risk-based lending.
• Undergraduate degree preferred.
• Strong verbal and written communication.
• Ability to maintain confidentiality.
• Proficient with computers and loan systems.

Responsibilities

• Assist members with loan applications and product openings.
• Counsel members on AFCU products to meet needs.
• Input and verify documentation in loan system.
• Underwrite home equity loan applications and ensure lien position.
• Cross-sell AFCU products during interviews.
• Provide underwriting guidance for exceptions and gray loans.
• Support training of new staff.
• Ensure compliance with policies and regulations.

Skills

Sales skills

Credit analysis

Product knowledge

Communication skills

Discretion/confidentiality

Customer service

Education

Undergraduate degree preferred

Two+ years in risk-based lending

Tools

Computers

Job description

Allegacy Federal Credit Union in North Carolina seeks a Mortgage Loan Underwriter to assist members with loan applications, advise on products, verify documents, and underwrite home equity loans across state guidelines. You will collaborate with centers to ensure compliant underwriting and training teammates.

The role emphasizes cross-selling AFCU services, delivering needs-based advice, and maintaining high service standards while protecting the credit union from risk.