Senior Loan Underwriter (Consumer Lending)

About the role

At First Commerce Credit Union, we're more than a financial institution - we're a community catalyst, empowering lives and transforming neighborhoods. We're currently seeking a detail-driven, strategic Senior Loan Underwriter to help us fulfill our Vision: Empowering Generations, Transforming Communities.

Responsibilities

• Make decisions on loan overrides, exceptions to policy, and rate concessions.
• Structure layered credit risk through collateral, co-makers, terms, and down payments.
• Recommend non-conforming first mortgages for portfolio inclusion and rate setting.
• Analyze and report departmental metrics including overrides, quality control, and portfolio trends.
• Collaborate with leadership to develop budgets and recommend product, rate, and policy changes.
• Provide consultative support to members to improve credit profiles and offer flexible solutions.
• Conduct periodic credit reviews and manage credit limit adjustments.
• Review and process employee loan requests.
• Serve as a mentor and coach to junior underwriting staff and front-line lending teams.
• Deliver training to enhance credit-related skills across the organization.

Requirements

• Bachelor's degree in finance, business, or related field (or equivalent experience).
• 5+ years of experience in loan underwriting and credit approvals.
• Deep knowledge of loan products, credit reporting, and fair lending practices.
• Strong analytical, mathematical, and decision-making skills.
• Excellent communication and interpersonal judgment.
• Ability to work flexible hours, including evenings and weekends as needed.
• Intermediate proficiency in Microsoft Office Suite.
• Commitment to delivering consistently courteous, positive member service.

Qualifications

• Seasoned lending professional with a sharp eye for detail and a heart for service.

Skills

• Strong analytical and mathematical skills.
• Excellent communication and interpersonal judgment.
• Ability to work flexible hours, including evenings and weekends as needed.
• Intermediate proficiency in Microsoft Office Suite.

Benefits

• Competitive pay that reflects your experience and impact.
• Health, dental, and vision insurance.
• 401(k) with company match.
• Generous PTO and paid holidays.
• Employee assistance programs.
• Ongoing training and professional development.
• Clear career advancement opportunities.
• A supportive, energetic team environment.
• $500 referral bonus when you help us find our next great hire!

Pay

Competitive pay that reflects your experience and impact.

Schedule

Flexible schedule to accommodate loan review and processing needs.