Equity Loan Processor and Consumer Loan Underwriter

Home Equity Loan Processor and Consumer Loan Underwriter

Primary responsibility is to ensure the timely, compliant, and accurate processing of all home equity applications originated by Financial Service Representatives. Additional responsibilities include servicing duties such as completing the HELOC Renewal Report, mailing renewal letters, maintaining files, and recording deeds. This role also provides secondary support underwriting for vehicle, personal, and credit card applications.

• Process home equity loans and HELOCs from application through closing, ensuring accuracy, timeliness, and compliance.
• Ensure all mandatory documentation is up-to-date and in order.
• Review and provide Loan Estimate within three business days.
• Review loan estimates, provide closing disclosures at least three business days before closing date.
• Review income, assets, and liabilities to support underwriting decisions and ability‑to‑repay requirements.
• Order, track, and review appraisals, title reports, and flood determinations; research and resolve discrepancies.
• Ensure loan files are complete, accurate, and properly documented in loan systems.
• Perform final quality control reviews and issue clear‑to‑close confirmations.
• Communicate with loan officers, vendors, and internal departments to resolve issues efficiently.
• This role does not underwrite home equity loans or HELOCs.

• Underwrite consumer loan products within assigned authority, including auto, personal, and credit card loans.
• Analyze credit reports, income documentation, and application data to assess credit risk.
• Approve, condition, counteroffer, or decline loans in accordance with lending policy.
• Clearly document underwriting decisions and conditions to support audit readiness.
• Communicate underwriting decisions effectively with lending and front‑line staff.

• 1-3 years processing Home Equity loans.
• 1-3 years underwriting auto, personal, and credit card loans.
• Experience with titles, liens, and first and second mortgage real estate lending.
• Strong attention to detail and the ability to perform repetitive detailed work with minimal errors.
• Strong analytical skills.
• Excellent verbal and written communication skills; ability to translate loan terminology into people‑friendly terms.
• Collaborative mindset, comfortable working in a small, close‑knit team.
• Proactive, organized, and able to manage work independently.
• Positive attitude and a strong commitment to service.

Competitive compensation and an inclusive benefits package that includes medical, dental, vision, a 401(k) plan with organization match, short‑term and long‑term disability coverage, generous PTO, tuition assistance, and identity theft protection.

Evergreen Credit Union is an Equal Opportunity Employer and does not discriminate on the grounds of race, color, religion, sex, sexual orientation, gender identity or gender expression, national origin, citizenship status, age, disability, genetic information or veteran status.