Senior Underwriter and Fraud Team Lead

Elite Recruiter; United States; Remote; USD 65,000 - 77,000; Full time

Job summary

A leading recruitment firm is seeking a Senior Underwriter & Fraud Analyst to join its Consumer Lending team. This dual-role involves evaluating consumer loan applications and conducting fraud investigations, requiring strong analytical skills and extensive experience in consumer lending. The ideal candidate will excel in detecting fraud risks and will contribute to policy development and risk management strategies.

Qualifications

• 5+ years of experience in consumer lending underwriting.
• 3+ years of direct experience in fraud detection.
• Strong knowledge of credit bureau data and verification methods.

Responsibilities

• Conduct thorough fraud investigations on flagged loan applications.
• Document fraud findings and recommend process improvements.
• Perform comprehensive analysis of consumer loan applications.

Skills

Analytical skills

Critical thinking

Problem-solving skills

Attention to detail

Education

Bachelor’s degree in Finance, Business, Economics

Tools

Fraud detection tools

Credit scoring models

Job description

This range is provided by Elite Recruiter. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$65,000.00/yr - $77,000.00/yr

Direct message the job poster from Elite Recruiter

| Talent Acquisition Manager | Head Hunting Manager | HR | Coaching & Development | +10K

Department: Credit Operations

Location: Remote

Employment Type: Full-Time

Salary: $65,000 to $77,000

Position Overview:

We are seeking a highly experienced Senior Underwriter & Fraud Analyst to join our growing Consumer Lending team. This dual-role position is responsible for evaluating consumer loan applications to ensure creditworthiness, while also identifying, investigating, and mitigating potential fraud risks throughout the underwriting process. The ideal candidate will bring deep expertise in consumer lending, strong analytical skills, sound judgment, and a proactive approach to fraud detection and prevention.

Key Responsibilities:

• Conduct thorough fraud investigations on flagged loan applications, using both manual review and fraud detection tools.
• Identify patterns of suspicious behavior and recommend preventive measures.
• Collaborate with internal fraud prevention teams, compliance, legal, and third-party partners to resolve suspected fraud cases.
• Stay current on fraud trends, emerging schemes, and industry best practices.
• Document fraud findings, prepare reports, and recommend process improvements to enhance fraud prevention capabilities.
• Perform comprehensive analysis of consumer loan applications, evaluating creditworthiness, debt-to-income ratios, employment stability, and financial documentation.
• Assess credit bureau reports, income verification documents, bank statements, and other supporting materials.
• Apply company underwriting policies, guidelines, and risk thresholds to approve or decline loan applications.
• Identify exceptions and make appropriate recommendations for manual decisioning, when necessary.
• Maintain compliance with federal, state, and regulatory lending guidelines.
• Provide mentoring and training to junior underwriters and assist in developing best practices.
• Partner closely with the Credit, Compliance, Operations, and Technology teams to continuously improve underwriting and fraud detection processes.
• Act as a subject matter expert in underwriting and fraud management, contributing to policy development and risk management strategies.
• Participate in audits, quality assurance reviews, and reporting as needed.

Qualifications:

• Bachelor’s degree in Finance, Business, Economics, or related field (or equivalent work experience).
• 5+ years of experience in consumer lending underwriting, preferably in unsecured or point-of-sale lending.
• 3+ years of direct experience in fraud detection, investigation, and prevention.
• Strong knowledge of credit bureau data, scoring models, verification methods, and fraud tools (e.g. ID verification, KYC, AML systems, fraud analytics platforms).
• Excellent analytical, critical thinking, and problem-solving skills.
• Ability to interpret complex data and make sound, data-driven decisions.
• Exceptional attention to detail and organizational skills.
• Strong written and verbal communication skills.
• Ability to work in a fast-paced environment and adapt to changing priorities.

Preferred Qualifications:

• Experience with POS lending platforms, fintech environments, or digital lending products.
• Certifications such as CFE (Certified Fraud Examiner) or similar fraud-related credentials.
• Familiarity with regulatory requirements related to consumer lending (FDCPA, FCRA, AML, BSA, etc.).

Seniority level

• Seniority level

  Not Applicable

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance

• Industries

  Banking and Financial Services

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