Loan Underwriter

Top Line Financial Credit Union has been a member-owned financial services cooperative since 1935. We are looking for outgoing individuals to join our Loan Underwriting team that is dedicated to building life-long relationships to help our members reach and manage their financial goals.

• Underwrites, analyzes, makes credit decisions and performs adverse actions, including moderate complexity of consumer loan, indirect loan, and credit card applications within their assigned authority.
• Reviews and certifies applicants’ income on home equity applications, including the low to moderate complex income circumstances.
• Reviews loan requests and denials for those that are within established guidelines and underwrites with their assigned authority. Obtains pertinent information and documentation relative to credit requests, analyzes data for credit worthiness, reviews key underwriting criteria, credit risk tier, reviews collateral valuation, evaluates risk, and follows guidelines and policies to approve, counter-offer or deny requests within assigned lending limits
• Provides consistent credit guidance as appropriate to all lending staff.
• Provides indirect dealers prompt credit decision responses and informs dealers electronically and verbally on our approvals using a sales approach.
• Identifies when lines of credit need to be revoked or reduced based on current credit, income, and other attributable factors discovered in underwriting. Further, when identified brings to management.
• Maintains a thorough knowledge of all Top Line products and recommends financial options for our members with the expectation of obtaining all pertinent financial information to make an informed decision.
• Maintains a thorough knowledge and compliance of policies and procedures of Top Line lending products.
• Assists in lending related training and job shadowing of new hires and acts as an ongoing resource for lending staff; remains current in lending practices and trends.
• Ability to be flexible and adaptable to support changing demands, work independently with limited supervision, and the ability to make decisions in a timely manner is essential.
• Performs other related duties and special projects as required or assigned.

At Top Line Financial Credit Union, we celebrate diversity by offering a work environment that is shaped by individual respect and mutual trust where every individual can thrive. We are proud to be an Equal Opportunity/ Aff