Senior Indirect Lending Underwriter & SME (Hybrid)

Texas Dow Employees Credit Union; United States; Híbrido; USD 90.000 - 120.000; Jornada completa

Descripción de la vacante

Texas Dow Employees Credit Union is seeking a Sr. Indirect Consumer Loan Underwriter to lead underwriting for Indirect Auto and Specialty Lending, including autos, boats, motorcycles, RVs, and other collateralized loans.

The role demands advanced underwriting expertise, independent decision-making, and SME capabilities to guide the underwriting team and dealer partners. You will mentor junior underwriters, support dealer relationships, ensure compliance with lending policies and regulatory

Formación

• Education: HS Diploma or GED required; Bachelor's Degree preferred.
• Minimum five (5) years of work experience in Consumer Loan or Indirect Underwriting.
• Advanced understanding of consumer credit analysis, including creditworthiness, income verification, debt-to-income (DTI), loan-to-value (LTV), collateral valuation, and risk assessment.
• Excellent verbal and written communication skills, with the ability to effectively communicate credit decisions, lending requirements, and policy interpretations to management, team members, dealer partners, and other stakeholders.
• Demonstrated ability to serve as a Subject Matter Expert (SME), providing technical guidance, coaching, mentoring, and training to new and existing Underwriters.
• Strong organizational and time management skills, with the ability to prioritize competing demands, manage multiple responsibilities, and consistently meet productivity, quality, and service level expectations.

Responsabilidades

• Evaluate, analyze, and underwrite consumer loan applications primarily received through the Indirect Lending channel, including Auto and Specialty Lending products.
• Provide underwriting support to the Direct Consumer Lending channel as needs require.
• Exercise independent lending authority and sound credit judgment when evaluating creditworthiness, income, collateral, and risk exposure.
• Ensure credit decisions comply with policies, lending guidelines, and regulatory requirements.
• Review and decision complex credit applications requiring advanced underwriting knowledge and problem-solving.
• Mentor and train new Underwriters; act as SME for Indirect Lending.

Conocimientos

Indirect lending

Underwriting

Credit analysis

Training & mentoring

Stakeholder comms

Educación

HS Diploma or GED

Bachelor's Degree preferred

Herramientas

MeridianLink CLOS

CUDL

Dealertrack

AppOne

IMM

DocuSign

Fiserv DNA

Descripción del empleo

Texas Dow Employees Credit Union is seeking a Sr. Indirect Consumer Loan Underwriter to lead underwriting for Indirect Auto and Specialty Lending, including autos, boats, motorcycles, RVs, and other collateralized loans.

The role demands advanced underwriting expertise, independent decision-making, and SME capabilities to guide the underwriting team and dealer partners. You will mentor junior underwriters, support dealer relationships, ensure compliance with lending policies and regulatory