Senior Loan Underwriter (Consumer Lending)
Ready to Lead Lending Decisions? Join First Commerce Credit Union as a Senior Loan Underwriter!
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.
If you're passionate about lending, compliance, and helping members achieve financial success through sound credit decisions, this is your opportunity to make a lasting impact.
What You'll Be Doing
As a Senior Loan Underwriter, you'll be a key decision-maker in our lending operations - ensuring quality, compliance, and member-focused solutions across consumer and home equity products.
- Underwrite direct and indirect consumer auto, home equity products, and select unsecured products.
- Make decisions on loan overrides, exceptions to policy, and rate concessions.
- Structure layered credit risk through collateral, co-makers, terms, and down payments.
- 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.
What You Bring to the Table
You're a seasoned lending professional with a sharp eye for detail and a heart for service.
- 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.
Why First Commerce?
We're a full-service, member-owned credit union with deep roots in the community and a bold vision for the future. Our culture is built on integrity, innovation, and service excellence. At First Commerce, you're not just joining a company - you're joining a cause.
What's in It for You?
- 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!
Ready to Shape the Future of Lending?
Apply today and help us build stronger communities - one loan at a time.
First Commerce Credit Union – Where Service Meets Purpose.