Sr. Consumer Loan Underwriter

Sr. Consumer Loan Underwriter

Join Us in Making an Impact

At OneAZ Credit Union, our success is measured only by yours. We're here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly matters—you've found it!

Who You Are

You're impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated. If this sounds like you, let's build something great together.

What You'll Do

This position will be located at our Corporate Office: 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027

This position has the authority to approve, and/or decline consumer loan requests which includes Home Equity loan products. This position will work in a call center environment in partnership with our branches. Consumer loan applications will be received from on-line sources, Credit Union branches, indirect channel, and direct calls from our members and dealerships.

Essential Functions

• Works closely with management to ensure expected service levels to members and internal associates are met. Assists in the training of department personnel to ensure service levels, policy, and procedures are understood and implemented.
• Promotes partnership and teambuilding between Consumer Loan Fulfillment, branches, and other business areas, resolving issues and maintaining effective communications.
• Requests for applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
• Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan or submits application to management for verification and recommendation
• Resolves uncertainties relating to member application information through inquiries with applicant or creditors.
• Approves loan within specified limits or refers loan to Consumer Loan Fulfillment management for approval.
• Responsible for underwriting consumer direct loans including vehicle loans, recreational loans, indirect loans, unsecured loans, share secured loans, credit cards, and home equity products.
• Confirms accuracy of income, indebtedness, ratios, loan-to-value, and calculations necessary for final loan decision.
• Refers loan to management if the loan amount exceeds the authorized lending authority.
• Works closely with processing, closing, funding and quality assurance to ensure that the member benefits from the loan product.
• Compiles loan package and facilitates negotiation of loan structure with applicants, including fees, loan repayment options, and other credit terms.
• Communicates underwriting decisions in written form to the member/branch, and follows up with branch staff on questions regarding the decision.
• Educates the branch and/or member of steps that can be taken to ensure credit quality and future approvals.
• Assist as requested in training new Consumer Loan Fulfillment team associates and branch lending associates, as assigned by leadership.
• Ensure loan agreements are complete, accurate, and in compliance with policy.
• Advises loan manager of external factors that may affect established lending policies, such as new or revised legislation and regulations. Recommends and implements appropriate changes to established policies and procedures.
• Maintains thorough knowledge of all federal and state regulations governing consumer lending, including real estate lending regulations.
• Maintains knowledge of all Credit Union departments and their interaction with the Retail Lending team and the Consumer Loan Fulfillment team.
• Provides loan data to support marketing and sales promotion programs.
• As volume dictates, assumes responsibilities and duties throughout all areas of Consumer Loan Fulfillment, including and not limited to taking inbound phone calls from branches, dealers and members; following up with members regarding loan decisions; setting loan closing appointments and equity loan processing

What You Bring

• High school diploma or GED required
• Associate's degree relevant fields preferred
• 5 to 8 years of…