Strategic Consumer Loan Underwriter

Wintrust Financial Corporation; Northern (KY); Hybrid; USD 59,000 - 77,000; Full time

Benefits offered by this job

Medical Insurance

Dental

Vision

Life insurance

Accidental death and dismemberment

Short-term and long term Disability

Parental Leave

Employee Assistance Program (EAP)

Traditional and Roth 401(k) with match

Flexible Spending Account (FSA)

Employee Stock Purchase Plan at 5% dis

Critical Illness Insurance

Accident Insurance

Transportation and Commuting Benefits

Banking Benefits

Pet Insurance

Job summary

Wintrust Financial Corporation in Rosemont, IL is seeking a Consumer Loan Underwriter to process applications, underwrite loans, and recommend decisions based on policy and regulatory requirements.

This role emphasizes accurate documentation, risk assessment, and collaboration with affiliated charters to maintain strong customer experiences.

Ideal candidates have 3–5 years of experience, knowledge of lending regulations, and strong communication and organizational skills.

Qualifications

• 3–5 years of relevant experience.
• Knowledge of consumer lending, loan terms, and underwriting.
• Strong written and verbal communication and organizational skills.
• Understanding of consumer lending regulations.

Responsibilities

• Verify accuracy and completeness of applications and supporting documents.
• Complete due diligence: fraud checks, BSA/MLA screening, income verification.
• Assess creditworthiness using reports and income docs to compute DTI and LTV.
• Determine loan decisions (approval/denial/conditions) per policy.
• Maintain detailed records and meet service level agreements.

Skills

Consumer lending

Credit underwriting

Regulations

Communication

Organizational skills

Multi-tasking

Education

Bachelor’s degree preferred

Job description

Wintrust Financial Corporation in Rosemont, IL is seeking a Consumer Loan Underwriter to process applications, underwrite loans, and recommend decisions based on policy and regulatory requirements.

This role emphasizes accurate documentation, risk assessment, and collaboration with affiliated charters to maintain strong customer experiences.

Ideal candidates have 3–5 years of experience, knowledge of lending regulations, and strong communication and organizational skills.