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Atmos Financial · 4 weeks ago

Senior Consumer Loan Underwriter (Clean Energy & Electrification)

San Francisco, CA

Full-time

Hybrid

Mid, Senior Level

$85K/yr - $115K/yr

3+ years exp

Atmos Financial is seeking an experienced and highly analytical Senior Consumer Loan Underwriter to join their growing clean-energy finance team. This role involves underwriting consumer loans for residential solar and electrification projects, credit decisioning, policy refinement, and mentoring junior underwriters.

BankingFinancial Services

Responsibilities

Independently underwrite and decision consumer loan applications for residential solar, heat pumps, battery storage, and other electrification projects

Evaluate, validate, and help refine our automated approval process working with our product and lender teams

Evaluate credit reports, stated and verified income, debt obligations, and collateral to assess borrower creditworthiness

Apply and interpret underwriting guidelines, with the ability to escalate, exception, or recommend policy changes where appropriate

Support the development, refinement, and documentation of underwriting policies and decision criteria

Manage a pipeline of loan applications while meeting turnaround time and quality targets

Collaborate with operations, product, and partner-success teams to resolve complex files and improve origination workflows

Provide guidance and informal mentorship to junior underwriters as the team scales

(Preferred) Apply commercial or small-business underwriting experience to growing pipeline of SMB solar + storage applications

Qualification

Consumer loan underwritingResidential solar lendingCredit bureau data analysisLoan origination systemsDebt-to-income analysisMentoring junior underwritersAttention to detailClear communication

Required

3–5+ years of consumer loan underwriting experience, with a strong preference for: Residential solar lending, Heat pump, HVAC, or home electrification financing, Home improvement or secured consumer lending

Strong understanding of credit bureau data, debt-to-income analysis, and income evaluation

Comfort underwriting both automated and manual decision paths

Excellent judgment, attention to detail, and documentation skills

Clear written and verbal communication skills

Experience with loan origination systems and underwriting tools