Consumer Loan Underwriter

ABNB Federal Credit Union is dedicated to being the best place you will ever work, starting with our comprehensive employee benefits package, which features affordable medical, dental, and vision plans to support your well- being and future growth in addition to:

• Paid time off that begins accruing on your first day
• Enjoy 11 paid federal holidays each year, giving you more time to relax and recharge
• 401(k) matching up to 4% with immediate vesting, plus an additional 2% match with future vesting
• Company-paid short-term, long-term disability, and employee life and AD&D coverage
• A tuition reimbursement benefit which reflects our investment in your future
• Competitive pay along with opportunities for annual raises and promotions
• Paid community involvement opportunities offer rewarding chances to network, make a positive impact, and get involved in meaningful local initiatives
• A supportive environment which fosters an employee-centric workplace where growth and member relationships are prioritized

The Consumer Loan Underwriter role is to analyze loan applications/requests and make credit decisions based on provided data, lending policy, and federal/state regulations.

Key Responsibilities

• Analyzes current financial position of loan applicants to determine the degree of risk involved in extending credit. Makes decisions to approve, deny, or forward the loan request to higher levels of authority for decisioning. Establishes the terms and conditions of loan approval to include collateral.
• Assists the Loan Center Manager in coordination of duties including development and implementation of various lending programs in accordance with project goals and time lines.
• Assists all member facing staff and loan staff with loan application and credit discussions. Assists with the processing and structuring of loans and loan applications. Answers questions regarding loan decisioning and provides feedback to management on quality of applications.
• Ensures loan decisions are in compliance with regulations, policies and procedures. Refers issues that are beyond their authority to their supervisor, along with their recommendations.
• Other duties as assigned.