Senior Loan Underwriter — Lead Lending & Mentorship (Flexible Hours)

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

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.