Description
We’re seeking a detail-oriented and analytical Consumer Loan Underwriter to join our lending team. This role is responsible for evaluating and underwriting consumer loan applications to ensure sound credit decisions that align with the credit union’s lending policies, risk tolerance, and member service standards. The ideal candidate brings solid consumer underwriting experience, sound judgment, and a strong commitment to delivering exceptional member experiences.
Company Culture and Environment
We foster a supportive and collaborative work environment where team members are encouraged to contribute and grow. Our focus is on delivering efficient, member-focused solutions that enhance the overall experience for our clients.
Career Growth and Development Opportunities
Opportunities for professional growth and development are available, allowing team members to advance their careers while making a meaningful impact in the communities we serve.
Detailed Benefits and Perks
- Affordable Benefits: Ensuring your health and well-being are taken care of.
- Up to 6% 401K Matching: Invest in your future with our generous matching program.
- Eleven Paid Holidays: Celebrate the moments that matter with paid time off.
- 120 PTO Hours: Enjoy ample paid time off to recharge and relax.
- Employee LOC with a 0% Interest Rate: Access financial support when you need it most.
- Free Telemedicine: Convenient access to medical care from the comfort of your home.
- Relaxed Casual Dress Code: Feel comfortable and confident while you work.
- Flexible Spending Account: Manage your healthcare expenses with ease.
- Health Savings Account: Save for medical expenses with pre-tax dollars.
- Employee Assistance Programs: Support and resources for your personal and professional well-being.
- Company Diversity Council: Join a community dedicated to fostering inclusion and diversity.
- Community Engagement Opportunities: Make a difference beyond the workplace with volunteer opportunities.
Compensation and Benefits
Why you should apply for this position today
This position offers the chance to make a meaningful impact in the communities we serve while working in a supportive and collaborative team environment where your contributions are valued.
Skills
- Strong understanding of credit analysis, loan structuring, and risk assessment.
- Working knowledge of consumer lending regulations (Reg B, Reg Z, Fair Lending, etc.).
- Excellent analytical, decision-making, and communication skills.
- Proficiency with lending and core processing system platforms preferred.
Responsibilities
- Analyze, evaluate, and underwrite a full range of consumer loans, including auto, unsecured, credit card, and home equity.
- Ensure compliance with all internal policies, lending procedures, and regulatory requirements.
- Review and verify credit reports, income documentation, collateral values, and debt ratios to assess creditworthiness.
- Communicate loan decisions promptly and clearly with branch and lending staff, providing guidance on structuring and documentation as needed.
- Collaborate with lending and member service teams to deliver efficient, member-focused solutions.
- Assist in the development and improvement of underwriting processes and workflow efficiency.
- Support loan portfolio quality and risk management initiatives.
Qualifications
- Minimum of 3 years of consumer lending underwriting experience in a financial institution required. This is NOT a mortgage lending role. This position is IN OFFICE located in Irving, TX.
- Some business lending experience is a plus.
Education Requirements
- High school diploma or equivalent required.
Education Requirements Credential Category
Experience Requirements
- Minimum of 3 years of consumer lending underwriting experience required.
Why work in Irving, TX
Irving offers a vibrant community with a strong economy and diverse cultural experiences. With its central location in the Dallas-Fort Worth area, residents enjoy easy access to a variety of entertainment, dining, and recreational activities, making it an attractive place to live and work.