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Company

BECU · 7 hours ago

Consumer Loan Underwriter

Washington, United States

Full-time

Remote

Mid Level

$30.19/hr - $36.78/hr

3+ years exp

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Responsibilities

Analyze, evaluate, and underwrite loans within your designated lending authority, ensuring compliance with BECU’s lending policies, underwriting guidelines, and procedures.

Stay current on BECU loan policies, real estate lending practices, and both state and federal regulations to make sound loan decisions.

Approve, counteroffer, or deny loans and credit lines while clearly communicating loan decisions and providing alternatives when appropriate.

Ensure loan applications receive timely and efficient processing, offering clear explanations of decisions and credit criteria when needed.

Partner with dealerships through the Indirect Lending Channel to purchase loans within service standards while resolving issues with professionalism and courtesy.

Assess members’ financial situations and recommend loan restructuring options, ensuring applications are complete and all relevant details are considered.

Evaluate credit reports, tax returns, and cash flow statements to support accurate lending decisions.

Act as a point of contact for member and dealer issues within your lending authority, ensuring resolutions are timely and thorough.

Identify workflow enhancements and suggest process improvements to increase efficiency and service quality.

Stay well-versed in BECU’s consumer loan products, automated scoring systems, and lending matrices to make effective lending recommendations.

Participate in team initiatives, service level monitoring, and productivity assessments to help BECU continuously improve.

Qualification

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Lending experienceConsumer lending underwritingCredit recommendations

Required

Bachelor’s degree in business required or equivalent work or education-related experience.

Minimum three years of lending related experience required.

Ability to make sound credit recommendations and decisions required.

Proficient mathematical skills, with a high degree of accuracy required.

Excellent verbal and written skills to effectively communicate in the English language required.

Ability to effectively problem solve and trouble shoot difficult member situations required.

Full time hours, with additional hours as necessary required.

Preferred

One year of consumer lending underwriting experience to include all secured, unsecured, indirect, and home equity products and appraisal underwriting preferred.

Benefits

Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage.

Employees have access to disability and AD&D insurance.

We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees.

Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan.

Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year.

Company

BECU

Glassdoor

3.7

As a member-owned, not-for-profit financial cooperative, BECU is guided by the credit union philosophy of “people helping people.” In fact, putting people over profit guides our everyday business decisions.

Founded in 1935

Tukwila, Washington, USA

1001-5000 employees