Hybrid Senior Consumer Underwriter & Loan Mentor

Lake Trust Credit Union; Brighton (MI); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Financial wellbeing services

401(K) matching with up to 5% match

Reduced health insurance

Employee wellbeing services

DEI initiatives

Work-life balance

Job summary

Lake Trust Credit Union in Brighton, MI, is seeking a Consumer Underwriter to lead underwriting decisions for direct and indirect loans, including home equity and appraisals, in a hybrid work model (3 days in-office, 2 days remote). The ideal candidate has 3+ years in consumer underwriting, strong problem-solving and communication skills, and a commitment to member service.

Level II/III responsibilities include mentoring, collaboration with loan originators, and timely decisions to support

Qualifications

• Three or more years consumer underwriting or related experience.
• Proven ability to support a strong member service culture.
• Excellent problem-solving and communication skills.
• Flexible work schedule to meet membership and dealership needs.
• Five or more years risk-based consumer underwriting or related experience.
• Previous financial institution experience.

Responsibilities

• Collaborate with leadership to run department meetings.
• Train Consumer Loan II underwriters on Mortgage Center IOs, home equity loans and personal tax returns.
• Underwrite various consumer loan applications from delivery channels and analyze the information provided; request additional information as required.
• Mentor Consumer Level II on complex loans or issues on documentation for the loan request.
• Review Mortgage Investments.
• Underwrite home equity loans, approve home appraisals and boat surveys; review home equity title work policies.
• Functions as a primary point of contact via multiple communication channels for Dealer Relations Officers, indirect dealers and internal members, for underwriting decisions.

Skills

Problem solving

Communication skills

Member service orientation

Flexibility

Underwriting expertise

Education

High school diploma (GED)

Job description

Lake Trust Credit Union in Brighton, MI, is seeking a Consumer Underwriter to lead underwriting decisions for direct and indirect loans, including home equity and appraisals, in a hybrid work model (3 days in-office, 2 days remote). The ideal candidate has 3+ years in consumer underwriting, strong problem-solving and communication skills, and a commitment to member service.

Level II/III responsibilities include mentoring, collaboration with loan originators, and timely decisions to support