Consumer Underwriter

Job title: Consumer Underwriter

Company: Kellogg Community CU

Job description: Join Kellogg Community Credit Union as a Consumer Underwriter at our Second St. branch!As the Consumer Underwriter, you will be responsible for assessing the creditworthiness of loan applicants and making decisions to approve or deny a variety of consumer loan applications with considerable loan authority. You will analyze financial and credit information provided by applicants to determine their ability to repay the loan in addition to promoting credit union products and services.Requirements

Review consumer and indirect loan requests and recommend approval or denial
Determine appropriate loan amount, interest rate, and terms based on the applicant’s credit worthiness
Calculate income and personal and business tax returns
Identify collateral needs and payment plans for members applying for loans and assist in compliance and interpretation of supporting documentation
Handle loans of complexity, value, and risk.
Communicate with loan officers to resolve questions regarding applicant information, collateral information, loan decision, and prepare files for closing
Keep current on industry trends, regulatory changes, consumer loan guidelines, and best practices in consumer lending.
Collaborate on rate changes as needed
Ensure that all Credit Union policies and procedures are in place and followed, advise on compliance and documentation issues.
Create and maintain a courteous and professional relationship with internal and external members

Qualifications:

One to Three years similar or related experience with a proven track record of handling complex cases
Ability to review and analyze personal and business tax returns
Ability to analyze consumer credit reports
Knowledge of consumer lending regulations, terms and practices preferred
Strong analytical and decision-making skills, with the ability to assess risk effectively
Strong computer skills including the Microsoft Suite
Strong attention to detail, and excellent time management skills
Effective communication skills, written and oral
Ability to interact with others on a regular basis and build relationships

This position requires extended hours during the week and on Saturdays, KCCU offers flexibility in scheduling to ensure extended hours are covered.The opening is in Battle Creek, Michigan.PM20PId696a0d7edd8-3544

Expected salary:

Location: Battle Creek, MI

Job date: Sun, 15 Jun 2025 07:26:19 GMT

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