Sr. Consumer Underwriter - Westchase District

Senior Consumer Underwriter – Quality underwriting for Consumer Loans, HELOC, and Home Equity loan applications. Responsible for reviewing complex loan situations, guiding lower-level underwriters, preventing fraud, and ensuring compliance with regulatory guidelines and Credit Union policies.

• Review incoming Consumer, Home Equity, and HELOC loan applications to evaluate debt-to-income ratio, analyze credit reports, calculate income, and determine loan-to-value ratios, making timely and prudent loan decisions within established guidelines.
• Provide guidance to Consumer, Mortgage, and Closing Specialists in structuring challenging loans and offer concurrence for additional approval authority.
• Review and verify income documentation to ensure accuracy and adherence to Credit Union guidelines, and protect the credit union from fraud.
• Validate all data entered into the loan submission and Encompass/Loan Director loan origination systems; review disputed consumer loan applications from branch and sales staff.
• Manage e‑Oscar direct and indirect consumer credit disputes, conducting in‑depth investigations through core systems and historical data to validate disputed credit information in accordance with CFPB guidelines.
• Execute other duties as assigned.

• Three to five years of similar or related experience, including preparatory experience.
• A high school degree or equivalent.
• Strong interpersonal skills: trust, credibility, diplomacy, effective communication, and the ability to motivate, influence, educate, and advise others on significant matters.
• Proficiency in evaluating personal credit reports, familiar with different types of collateral, and calculating financial ratios for underwriting analysis.
• Working knowledge of Microsoft Outlook, Word, and Excel, as well as experience with Velocity and Fiserv DNA/Core System.
• Excellent written and verbal communication skills.

Ability to bend, sit, and stand; to perform primarily sedentary work with limited physical exertion; occasional lifting up to 10 lbs.; to climb/descend stairs in emergencies; to operate routine office equipment; to work extended hours or travel off site if required; and reliable attendance.

Independent job performance or limited supervision; ability to read and follow written and oral instructions; basic mathematical calculations; logical communication; professional demeanor with diverse personalities; composure under deadlines; ability to handle multiple priorities; discretion on confidential matters.

Competitive salary, top‑tier benefits, and a tuition reimbursement program of up to $4,000 per year for full‑time employees.

Smart Financial does not discriminate on the basis of race, sex, color, religion, age, national origin, marital status, disability, veteran status, genetic information, sexual orientation, gender identity, or any other reason prohibited by law in the provision of employment opportunities and benefits.