Senior Loan Underwriter (Consumer Lending)

First Commerce Credit Union; Tallahassee (FL); On-site; USD 65,000 - 95,000; Full time

Benefits offered by this job

Competitive pay

Health insurance

401(k) match

PTO & holidays

Employee assistance

Training & development

Career advancement

Supportive team

Referral bonus

Job summary

First Commerce Credit Union in Tallahassee seeks a Senior Loan Underwriter to serve as a key decision-maker in our lending operations, ensuring quality, compliance, and member-focused solutions across consumer and home equity products.

With 5+ years of underwriting experience, a finance or business background, and strong analytical and communication skills, you’ll help members improve credit profiles and mentor junior staff while enjoying competitive pay and strong benefits.

Qualifications

• Bachelor's degree in finance, business, or related field.
• 5+ years of loan underwriting and credit approvals.
• Knowledge of loan products, credit reporting, and fair lending practices.
• Strong analytical, mathematical, and decision-making skills.
• Excellent communication and interpersonal judgment.

Responsibilities

• Underwrite direct and indirect consumer auto, home equity products, and select unsecured products.
• Make decisions on loan overrides, exceptions to policy, and rate concessions.
• Structure layered credit risk through collateral, co-makers, terms, and down payments.
• Analyze and report departmental metrics including overrides, quality control, and portfolio trends.
• Collaborate with leadership to develop budgets and recommend product, rate, and policy changes.
• Provide consultative support to members to improve credit profiles and offer flexible solutions.
• Conduct periodic credit reviews and manage credit limit adjustments.
• Review and process employee loan requests.
• Serve as a mentor and coach to junior underwriting staff and front-line lending teams.
• Deliver training to enhance credit-related skills across the organization.

Skills

Loan underwriting

Credit approvals

Financial analysis

Communication skills

Microsoft Office

Education

Bachelor's degree in finance or business

Tools

Microsoft Office Suite

Job description

Ready to Lead Lending Decisions? Join First Commerce Credit Union as a Senior Loan Underwriter!

At First Commerce Credit Union, we're more than a financial institution - we're a community catalyst, empowering lives and transforming neighborhoods. We're currently seeking a detail-driven, strategic Senior Loan Underwriter to help us fulfill our Vision: Empowering Generations, Transforming Communities.

If you're passionate about lending, compliance, and helping members achieve financial success through sound credit decisions, this is your opportunity to make a lasting impact.

What You'll Be Doing

As a Senior Loan Underwriter, you'll be a key decision-maker in our lending operations - ensuring quality, compliance, and member-focused solutions across consumer and home equity products.

• Underwrite direct and indirect consumer auto, home equity products, and select unsecured products.
• Make decisions on loan overrides, exceptions to policy, and rate concessions.
• Structure layered credit risk through collateral, co-makers, terms, and down payments.
• Analyze and report departmental metrics including overrides, quality control, and portfolio trends.
• Collaborate with leadership to develop budgets and recommend product, rate, and policy changes.
• Provide consultative support to members to improve credit profiles and offer flexible solutions.
• Conduct periodic credit reviews and manage credit limit adjustments.
• Review and process employee loan requests.
• Serve as a mentor and coach to junior underwriting staff and front-line lending teams.
• Deliver training to enhance credit-related skills across the organization.

What You Bring to the Table

You're a seasoned lending professional with a sharp eye for detail and a heart for service.

• Bachelor's degree in finance, business, or related field (or equivalent experience).
• 5+ years of experience in loan underwriting and credit approvals.
• Deep knowledge of loan products, credit reporting, and fair lending practices.
• Strong analytical, mathematical, and decision-making skills.
• Excellent communication and interpersonal judgment.
• Ability to work flexible hours, including evenings and weekends as needed.
• Intermediate proficiency in Microsoft Office Suite.
• Commitment to delivering consistently courteous, positive member service.

Why First Commerce?

We're a full-service, member-owned credit union with deep roots in the community and a bold vision for the future. Our culture is built on integrity, innovation, and service excellence. At First Commerce, you're not just joining a company - you're joining a cause.

What's in It for You?

• Competitive pay that reflects your experience and impact
• Health, dental, and vision insurance
• 401(k) with company match
• Generous PTO and paid holidays
• Employee assistance programs
• Ongoing training and professional development
• Clear career advancement opportunities
• A supportive, energetic team environment
• $500 referral bonus when you help us find our next great hire!

First Commerce Credit Union – Where Service Meets Purpose.