Senior Consumer Lending Underwriter – Risk & Decisioning

Kansas City Credit Union; Eastwood (MO); On-site; USD 60,000 - 85,000; Full time

Job summary

Kansas City Credit Union is seeking a Consumer Lending Underwriter to assess direct and indirect consumer loan applications, including auto, personal, and credit card products, within delegated authority.

You will document rationale, ensure compliance, manage the underwriting queue, and contribute to risk monitoring and portfolio quality. Collaboration with loan specialists and ongoing training are part of the role.

Qualifications

• Three or more years of consumer lending or underwriting experience.
• Ability to analyze credit reports, income, cash flow, and risk factors.
• Experience with lending policies, documentation, and compliance requirements.

Responsibilities

• Review and decision direct and indirect consumer loan applications.
• Evaluate credit history, income, debt obligations, collateral, LTV, term, and risk factors.
• Structure loan terms, pricing, and stipulations; use decisioning tools.
• Identify fraud indicators and elevate concerns as needed.
• Document rationale, conditions, and adverse-action reasons clearly.
• Verify supporting docs and underwriting stipulations before final approval.
• Manage underwriting queue and communicate decisions to staff.
• Train staff and suggest workflow or system improvements.
• Monitor approval/decline trends and assist with risk reporting.

Skills

Credit judgment

Analytical thinking

Risk-based decisioning

Documentation discipline

Member focus

Collaboration

Accountability

Confidentiality

Continuous improvement

Education

Bachelor's degree in business/finance

Lending/underwriting certification (plus)

Tools

Loan origination system

Core platform

Credit bureau tools

Automated decisioning/scorecards

Job description

Kansas City Credit Union is seeking a Consumer Lending Underwriter to assess direct and indirect consumer loan applications, including auto, personal, and credit card products, within delegated authority.

You will document rationale, ensure compliance, manage the underwriting queue, and contribute to risk monitoring and portfolio quality. Collaboration with loan specialists and ongoing training are part of the role.