Senior Consumer Underwriter – HELOC & Mortgage Risk

Sunward Federal Credit Union; Albuquerque (NM); On-site; USD 55,000 - 85,000; Full time

Job summary

Sunward Federal Credit Union is seeking an experienced Consumer Underwriter to review loan applications and make sound underwriting decisions for auto, personal, credit card and HELOC products, ensuring compliance with banking regulations.

The role requires strong analytical skills, attention to detail and solid knowledge of consumer credit and underwriting principles, with a track record of prudent risk assessment in a credit union environment.

Qualifications

• Strong working knowledge of consumer credit and underwriting principles.
• Familiar with federal and state regulations affecting consumer and mortgage loans.
• Knowledgeable about home equity lines of credit and lending processes.

Responsibilities

• Review loan documents and decisions for auto, personal, credit card and HELOC applications.
• Assess financial risk, analyze data and ensure regulatory compliance.
• Underwrite and participate in loan decisioning with senior staff as needed.
• Escalate high-risk or high-complexity files to appropriate authority.
• Serve as SME within the department and assist in training staff.

Skills

Interpersonal skills

Negotiation skills

Organizational skills

Attention to detail

Microsoft Office

Analytical decision-making

Education

High school diploma or GED

Tools

Microsoft Office

Job description

Sunward Federal Credit Union is seeking an experienced Consumer Underwriter to review loan applications and make sound underwriting decisions for auto, personal, credit card and HELOC products, ensuring compliance with banking regulations.

The role requires strong analytical skills, attention to detail and solid knowledge of consumer credit and underwriting principles, with a track record of prudent risk assessment in a credit union environment.