Consumer Underwriter III

Base pay range

$31.50/hr - $40.00/hr

Rockland Federal Credit Union (RFCU) is searching for a Consumer Loan Underwriter to join our Consumer Lending team. This role will combine your underwriting and communication experience to assist our members through the loan application process.

• Underwrites indirect/direct loan applications by analyzing credit reports and credit application data while adhering to all RFCU policies, procedures and regulatory requirements. Makes recommendations to management on approvals of applications over their assigned level of authority.
• Leverages technology to deliver prompt and accurate communication of loan decisions, with an awareness of a changing digital environment.
• Assists callers (dealers and members) with questions about loans, the loan process, and credit approval/denial in accordance with legal and regulatory standards. May participate in dealer site visits with the Business Development Officer.
• Verifies accuracy of credit applications from all sources (internal and external) with a focus of combating fraudulent applications.
• Reviews documents to support credit decision (verification of income, tax returns, personal financial statement, additional supporting documentation, etc.) Assists with the generation of adverse action letters in order to maintain regulatory compliance.
• Responds to member and brand/department loan inquiries promptly and courteously. Ensures that issues/problems are handled in an efficient and timely manner.
• Performs responsibilities in accordance with all applicable federal and state regulations, including but not limited to the Bank Secrecy Act, Fair Credit Reporting Act, Fair Lending & Equal Credit standards, FACT Act, Truth in Lending Act and Military Lending Act.

• High School Diploma or equivalent required
• Five plus (5+) years of consumer/indirect lending experience.
• Experience reviewing credit bureau reports with a solid understanding of consumer credit and applicable federal and state consumer lending regulations.
• Highly skilled in credit decisioning
• Requires excellent communication skills (oral and written)
• Strong technical skills, with the ability to maintain a high level of accuracy and perform.
• Ability to make independent decisions (within the scope of position), and effectively meet tight deadlines in a high-volume, fast-paced environment.

As a Consumer Loan Underwriter, you will work a 40-hour full-time schedule Monday through Friday, with the ability to be flexible with work schedule, working off-hours, including weekends & holidays as needed.

RFCU offers a comprehensive benefits package, including Cigna medical benefits, dental benefits, vision benefits, a 401(k) plan with company match and profit‑sharing potential, flexible health and dependent care plans, and life, AD&D, and LTD insurance. We also provide a generous and flexible tuition reimbursement program, along with a PTO package designed to help employees recharge and enjoy time with family and friends.

If this sounds like what you are looking for, then the next step is to apply! You will need to upload your resume and answer a few basic questions. Our Human Resources team will review your application to determine your qualifications for the position. Our interview process consists of an initial telephone interview with Human Resources, followed by an in‑person interview with the hiring manager for qualified candidates.

At that point if we are the right fit for each other, you will move to the final steps of references, credit and background check.

Apply today and join our team!

Rockland Federal Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

Mid‑Senior level

Full‑time

Finance and Sales (Banking)