Consumer Loan Underwriter; Onsite

Join to apply for the Consumer Loan Underwriter (Onsite) role at Frontwave Credit Union
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As a Consumer Loan Underwriter you are responsible for building a quality loan portfolio by examining, evaluating, and recommending decisions on consumer loan applications.

Frontwave Credit Union is a member‑owned not‑for‑profit financial institution serving San Diego, Riverside, San Bernardino and Imperial counties. Founded in 1952, we have grown to 18 branches with 125,000 members and manage over $1.8 billion in assets. At Frontwave Credit Union, we focus on creating consumer solutions that enhance the quality of life for our members and the communities we serve through exceptional service and progressive technology.

• Competitive pay, 401k matching, mortgage and auto discounts.
• 9-27 days of PTO per year (based on tenure) and 10 paid holidays.
• Affordable medical, dental, vision health plans, and Flexible Spending Account.
• Employee Assistance Program with a variety of services.
• Career development, training, coaching, mentoring; tuition reimbursement up to $4,000/year.
• Culture of excellence and continuous improvement.
• We strive to be the best place you’ve ever worked.

• Obtain and maintain loan authority of up to $65,000.
• Review loan applications and evaluate credit criteria to determine level of risk.
• Request additional information as necessary to decide.
• Evaluate quality of collateral as compared with request.
• Effectively decide the loan based on qualifications and risk to member and credit union.
• Assist internal members over the phone with underwriting/policy/procedure inquiries.
• Review unsecured revolving LOC and Visa accounts on a periodic basis to determine action.
• Ensure that loan requests are properly documented.

• Obtain and maintain loan authority of up to $65,000.
• Review loan applications and evaluate credit criteria to determine level of risk.
• Request additional information as necessary to decide.
• Evaluate quality of collateral as compared with request.
• Effectively decide the loan based on contract requirements, qualifications and risk to member and credit union.
• Perform dealer visits to build relationships and generate business.
• Make outbound calls to dealer customers to generate indirect business.
• Educate and assist external dealer customers over the phone with underwriting/policy/procedure inquiries.
• Establish effective coordination and communication with management and credit union staff.

• Participate in various credit union–sponsored car sales and other events outside the department.
• Effectively support department and organizational goals and initiatives.
• Keep management informed of activities and any significant problems with regards to lending function.
• Complete reports, records promptly and accurately.
• Assist in documenting and tracking multiple variables to determine and monitor trends.

• High School Diploma or general education degree (GED).
• One year lending experience in a credit union or similar financial institution.
• Basic knowledge of consumer lending principles.
• Salary Range: $26.63 - $39.95.

• We see it. We own it. We get it done.
• We ignite positive experiences.
• We do things right every time.
• We are collaborators — united, cohesive and engaged.
• We innovate and evolve.
• We create memorable experiences for life.
• We start with me.

Entry level

Full‑time

Finance and Sales