Underwriter III

Worth Credit Union Headquarters, 1905 Forest Ridge Dr., Bedford, Texas, United States of America

Posted Monday, August 3, 2026 at 6:00 AM

Worth Credit Union strives to provide excellent member service, which is a result of having friendly, knowledgeable, and helpful employees. Career opportunities at various levels exist with the credit union. Worth Credit Union is an Equal Opportunity Employer. We accept applications at all times even when a specific opening is not available. We conduct background screens and drug testing on candidates for employment, and we certify all employees through E-Verify.

Worth Credit Union offers full-time employees an excellent benefits package that includes:

• Health, Dental, and Vision Insurance
• Life Insurance
• Long Term Disability Insurance
• Flexible Spending Accounts
• 401(k) Plans (also available for part-time employees)
• Paid Holidays (also available for part-time employees)
• Generous Vacation and Sick Days (also available for part-time employees)

Worth Credit Union promotes from within whenever possible, so your career can progress within the same company. We hire only the best and brightest. Our positions are demanding but provide an excellent opportunity to learn the financial industry.

The Underwriter III serves as an experienced centralized lending authority responsible for evaluating, approving, and structuring complex consumer loan requests while ensuring sound credit quality and compliance with established lending policies. This position exercises a high level of independent judgment in underwriting loan transactions ranging from approximately $50,000 to $500,000 , balancing member service with prudent risk management.

In addition to underwriting responsibilities, the Underwriter III actively monitors portfolio performance, contributes to lending strategy and policy development, mentors less experienced underwriters, and participates in initiatives that enhance operational effectiveness, credit quality, and the overall member lending experience.

This position is based at our Headquarters office in Bedford, Texas. Participation in a hybrid work arrangement may be approved by WCU lea dership. Work hours may vary but are generally Monday - Friday 8:00am - 5:00pm. This is an exempt-level position and subject to a work schedule which provides appropriate coverage during normal WCU hours of operation, including Saturdays as needed.

• a nalyze and underwrite complex consumer loan applications, including direct and indirect loans, home equity products, secured and unsecured loans, and other consumer lending products within assigned authority limits
• decision loan applications in accordance with lending policies and delegated authority
• s upport initiatives to improve portfolio performance and maintain acceptable levels of credit risk
• p romote consistency in underwriting decisions and adherence to established credit standards
• r ecommend process improvements that increase efficiency while maintaining strong risk controls
• p articipate as a member of the Credit Committee or other designated lending committees
• e nsure compliance with all applicable federal and state lending regulations

• 2 to 4 years of direct loan underwriting experience in a financial institution, preferably a credit union
• Demonstrated experience underwriting complex consumer lending transactions and exercising independent lending authority
• Deep understanding of lending regulations and compliance .
• Advanced knowledge of consumer lending principles, credit analysis, and risk assessment .
• Ability to interpret complex credit reports, tax returns, financial statements, and supporting documentation
• Excellent analytical, critical thinking, and decision-making skills
• Strong written and verbal communication skills with the ability to clearly explain lending decisions
• Ability to negotiate loan structures while maintaining acceptable risk parameters
• Strong organizational skills with the ability to prioritize multiple complex transactions
• Proficiency with loan origination systems, automated underwriting tools, and Microsoft Office applications

A degree in business, finance, or a related field is preferred, but relevant experience is the key consideration.

• Certified Credit Union Business Lending Professional (CUBLP)
• Certified Credit Union Financial Counselor (CCUFC)
• National Association of Mortgage Underwriters Certified Master Underwriter (NAMU-CMU)
• o ther applicable lending, underwriting, or credit risk certifications .

• Full Benefits Package including medical, dental, & vision coverage
• paid vacation and sick time, and 11 paid holidays
• We also offer a generous 401(k) Program
• Employee Assistance Program
• business casual dress code

Worth Credit Union is an Equal Opportunity Employer. Worth Credit Union makes no guarantee as to the availability of the posted positions. Due to ongoing recruitment efforts, some of these…