Hybrid Consumer Loan Underwriter: Risk & Credit Decisions

Everwise Credit Union; Indiana (PA); Hybrid; USD 65,000 - 90,000; Full time

Job summary

Everwise Credit Union is seeking a Centralized Underwriter to review and evaluate consumer loan applications, applying underwriting guidelines to determine risk and credit decisions.

You will collaborate with branches to collect information, communicate decisions with rationale, and ensure compliance with BSA/Patriot Act/OFAC and internal policies. The role requires strong analysis, communication, and teamwork in a hybrid on-site setting.

Qualifications

• High school diploma or GED required.
• 3+ years lending and/or financial experience required.
• Hybrid position with expectation to work in office a minimum of 1 day per week.

Responsibilities

• Review, analyze and evaluate loan applications for completeness and accuracy utilizing departmental policies and strategies.
• Assess risk factors associated with applicants and determine eligibility for credit to protect credit union assets.
• Collaborate with branch employees to gather additional information as needed.
• Responsible for making sound lending decisions based upon Everwise’s underwriting and documentation requirements.
• Communicate underwriting decisions to the originating loan officer and provide rationale on credit decisions when necessary.
• Personal lending limit may vary according to experience, quality of loan decisions, and product type.
• Responsible for maintaining a professional relationship with Retail Branches and MCC team by providing prompt, courteous, and quality service.
• Ensure compliance with company policies, regulatory requirements and accountable for understanding and applying government laws and regulations and Everwise’s policies and procedures relating to the Anti-Money Laundering Regulations including but not limited to the Bank Secrecy Act (BSA), US PATRIOT ACT and OFAC.
• Assumes additional responsibilities as necessary for the growth and advancement of the credit union.

Skills

Credit underwriting

Financial analysis

Regulatory/compliance

Communication skills

Team collaboration

Microsoft Office Suite

Education

High School diploma or GED

Tools

Microsoft Office Suite

Job description

Everwise Credit Union is seeking a Centralized Underwriter to review and evaluate consumer loan applications, applying underwriting guidelines to determine risk and credit decisions.

You will collaborate with branches to collect information, communicate decisions with rationale, and ensure compliance with BSA/Patriot Act/OFAC and internal policies. The role requires strong analysis, communication, and teamwork in a hybrid on-site setting.