OnPath Credit Union · 1 day ago
Consumer Loan Underwriter
Louisiana, United States
Full-time
Onsite
Entry, Mid Level
$22.80/hr - $28.50/hr
2+ years expOnPath Credit Union is dedicated to delivering exceptional service and is seeking a Consumer Loan Underwriter to join their team. This role involves underwriting consumer loan products, evaluating loan requests, and providing member-centric credit solutions while managing credit risk.
Financial ServicesLendingNon Profit
Responsibilities
Monitor application system(s) for receipt of new credit applications and determine appropriate prioritization
Work with internal and external parties to determine appropriate loan products to match loan applicant’s financing needs and repayment sources and timing
Review all application documentation (income, debt and collateral documentation) and determine if additional documentation is required in order to underwrite the application. Verify completeness of application packet or mark incomplete accordingly
Formulate credit decision (approve, decline or counteroffer) in compliance with individual lending authority, established underwriting guidelines, compliance and regulatory requirements
Obtain proper approval for loan and communicate credit decision to member facing parties. If necessary with counter-offers and declines or other credit opportunities, identify potential new lending opportunities and suggest solutions
Responsible for ensuring that consumer loans are policy compliant and that exceptions or overrides are properly approved, documented and tracked
Adhere to service level agreements
Work with Loan Operations to ensure timely and efficient delivery of loan packages and funding of loans
Answer credit questions and resolve problems raised by internal and external parties
Assist other lending teams as needed based on expertise
Work with management to develop and implement new consumer loan products and promotions
Provide input in lending business plans relative to consumer lending and membership needs
Support the development of strategies and product promotions to meet annual growth targets
Review competitor offerings relative to credit union product offerings
Understand and adhere to compliance requirements
Successfully complete all required training and compliance courses
Respond to directed audit, exam or compliance findings
Attend regular lending meetings as necessary to keep teams updated on product changes and promotions
Work with Management to establish and review requirements for credit scoring standards
Recommend changes to credit scoring parameters as necessary
Work with service vendors on system problems and solutions
Participate in the selection and implementation of any system related software
Qualification
Required
Two to five years of similar or related experience
A two-year degree or completion of a specialized course of study at a business or trade school; or an equivalent combination of education, training and experience
Strong analytical skills with a demonstrated ability to solve financial situations
Strong technical aptitude for learning systems and processes
Ability to effectively communicate, as well as choose appropriate form of communication as needed (written, verbal)
Proven ability to prioritize and manage time effectively
Excellent interpersonal skills
Self-starter; able to work efficiently without direct supervision
Ability to stay calm and work well under pressure
Passionate about helping others
Professional attitude and appearance
Enjoys attention to detail, improving process
Perform primarily sedentary work with limited physical exertion and regularly lifting of up to 10 lbs. and up to 30 lbs on occasion
Must be capable of climbing / descending stairs in emergency situation
Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator
Must be able to stand for long periods of time
Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary
Must be able to work extended hours whenever required or requested by management
Must be capable of regular, reliable and timely attendance
Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team
Must be able to read and carry out various written instructions and follow oral instructions
Must be able to speak clearly and deliver information in a logical and understandable sequence
Must be able to use basic math skills and spell accurately up to a high school graduate level
Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public
Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace
Must be able to effectively handle multiple, simultaneous, and changing priorities
Must be capable of exercising highest level of discretion on both internal and external confidential matters
Benefits
Competitive Compensation
Impressive Benefits Package including Medical, Dental, Life Insurance, and 401(K) Plan
Paid Vacation, Wellness, Sick Time, and more!
Company
OnPath Credit Union
Communities thrive when their residents make educated financial decisions: How do I get the home I want? When is the best time to purchase a vehicle? What are my best options when choosing a checking or savings account? At OnPath Federal Credit Union, we help members clearly define their needs, identify solutions and help them customize the financial products and services that best satisfy their unique situations.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Kevin Plaisance
EVP - Chief Information Officer
Kristen DeDual, CCE
Chief Operations Officer
Recent News
New Orleans CityBusiness
2025-07-26
New Orleans CityBusiness
2025-05-17
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