Senior Consumer Underwriter

TTCU Federal Credit Union is seeking a passionate and motivated Senior Consumer Underwriter to join our team. In this role, you'll be responsible for evaluating and approving loan applications, ensuring sound lending decisions, and providing exceptional service to our members. If you have strong analytical skills, attention to detail, and a passion for helping others, we want you to be part of our growing team. Join TTCU and help our members achieve their financial goals with confidence!

Essential Job Functions and Responsibilities:

• Review and evaluate consumer loan applications, including personal loans, auto loans, and home equity loans, to assess creditworthiness and risk.
• Make final decisions on loan applications within delegated authority and provide recommendations for loans that exceed approval limits.
• Review and manage exceptions or unique loan scenarios that fall outside standard guidelines, offering solutions while balancing risk and member needs.
• Provide guidance and mentorship to junior underwriters, helping them develop their underwriting skills and knowledge.
• Communicate loan decisions, including declines or counteroffers, to members professionally and clearly.
• Work closely with the loan processing, sales, and collections teams to facilitate smooth loan origination processes and resolve any outstanding issues.

Minimum Qualifications:

• Associate's degree in Finance, Business, or a related field is preferred.
• Minimum of 1-2 years of experience in consumer lending or underwriting, or in a related financial services role.
• Strong understanding of credit analysis, loan underwriting processes, and risk assessment.
• Familiarity with regulatory requirements, such as Fair Lending laws and the Equal Credit Opportunity Act (ECOA).
• Proficiency in using loan origination systems and Microsoft Office Suite (Excel, Word, etc.).
• Certification in credit analysis or underwriting (e.g., CUNA Credit Union Certified Underwriter) can be a plus.