Strategic Consumer Lending Underwriter

Kansas City Credit Union; Kansas City (MO); On-site; USD 70,000 - 110,000; Full time

Job summary

Kansas City Credit Union is seeking a Consumer Lending Underwriter to render timely, well-documented decisions on consumer loan applications, including auto and unsecured products. You will evaluate risk factors and structure terms within policy guidelines, using decisioning tools as needed.

The role emphasizes documentation, adherence to fair-lending rules, and collaboration with loan specialists to maintain service levels and accurate records.

Qualifications

• Three+ years of consumer lending or underwriting experience.
• Experience analyzing credit reports, income, cash flow, and collateral.
• Familiarity with fair-lending expectations and consumer-credit regulations.
• Proficiency with loan- origination systems and scorecard tools.

Responsibilities

• Review and decide on direct and indirect consumer loan applications (auto, personal, credit card, etc.).
• Document credit rationale, conditions, and action reasons clearly.
• Maintain timely loan-system records and participate in reviews/audits.
• Train staff and suggest workflow or policy improvements to leadership.

Skills

Credit analysis

Underwriting

Written communication

Time management

Education

Bachelor's degree in business/finance or related field

Tools

Loan origination system

Core platform

Credit-bureau tools

Automated decisioning/scorecards

Job description

Kansas City Credit Union is seeking a Consumer Lending Underwriter to render timely, well-documented decisions on consumer loan applications, including auto and unsecured products. You will evaluate risk factors and structure terms within policy guidelines, using decisioning tools as needed.

The role emphasizes documentation, adherence to fair-lending rules, and collaboration with loan specialists to maintain service levels and accurate records.