Consumer Loan Underwriter

About the role

At OnPath Credit Union, we share a passion for delivering exceptional service. Your primary role will involve building relationships with our members, offering personalized solutions and identifying opportunities to help them achieve financial success.

Responsibilities

• Underwrite all consumer (non-mortgage) loan products following underwriting guidelines, loan policy and regulatory compliance.
• Evaluate loan structures, determine appropriateness of underwriting guideline exceptions or overrides, and provide member-centric credit solutions while managing credit risk.
• Make credit decisions within individual lending authority or by endorsing approvals for decisions requiring supervisor approval.
• Work with loan operations teams to ensure a seamless, end-to-end process from application to booking.
• Review application documentation, verify completeness, and obtain proper approval for loan.
• Communicate credit decisions to member-facing parties and assist with counter-offers and declines.
• Ensure consumer loans are policy compliant and track exceptions or overrides.
• Adhere to service level agreements and work with Loan Operations to ensure timely and efficient delivery of loan packages and funding of loans.
• Answer credit questions and resolve problems raised by internal and external parties.
• Assist other lending teams as needed based on expertise.
• Develop and implement new consumer loan products and promotions.
• Support the development of lending business plans and strategies.
• Review competitor offerings and provide input in lending business plans.
• Manage credit scoring standards and recommend changes to credit scoring parameters.
• Work with service vendors on system problems and solutions.
• Participate in the selection and implementation of system-related software.

Requirements

• Two to five years of similar or related experience.
• A two-year degree or completion of a specialized course of study at a business or trade school; or an equivalent combination of education, training and experience.

Qualifications

• Strong analytical skills with a demonstrated ability to solve financial situations.
• Strong technical aptitude for learning systems and processes.
• Proven ability to prioritize and manage time effectively.

Skills

• Excellent interpersonal skills.
• Self-starter; able to work efficiently without direct supervision.
• Ability to stay calm and work well under pressure.
• Passionate about helping others.
• Professional attitude and appearance.
• Enjoys attention to detail, improving process.

Benefits

Competitive Compensation
Impressive Benefits Package including Medical, Dental, Life Insurance, and 401(K) Plan
Paid Vacation, Wellness, Sick Time, and more!

Pay

$22.80 to $28.50 per hour based on skills and experience.

Schedule

This position is classified as Remote.