Consumer Loan Underwriter

Job Description

Analyze consumer loan applications according to lending policy/procedures while ensuring loan quality, maximizing loan growth and minimizing consumer loan portfolio losses.

Analyze consumer loan applications according to lending policy/procedures while ensuring loan quality, maximizing loan growth and minimizing consumer loan portfolio losses.

This is a full-time, on-site position based at our Administrative Office in St. Paul, MN.

After the training period, the regular schedule will be Tuesday through Saturday, 9:00 a.m. to 6:00 p.m.

• Review, analyze and render decisions focusing on consumer lending products including, but not limited to personal loans, automobile loans, recreational vehicle loans, and credit cards.
• Maintain credit standards, policies and procedures and manage exceptions within acceptable tolerance and communicate decisions to internal members.
• Make credit decisions in compliance with regulatory requirements.
• Review and analyze vehicle loan applications submitted by our indirect dealer partners.
• Analyze applicants’ financial status; credit history and collateral evaluation; communicate with dealership and/or loan officer to resolve loan application questions.
• Refer loan applications exceeding established lending authority to appropriate management level.
• Properly evaluate and document exceptions to guidelines and/or policies.
• Provide support to team members; collaborate on loan applications and assist in making recommendations.
• Handle inbound calls and emails regarding loan applications.
• Evaluate applications for potential sales opportunities to cross‑sell, up‑sell and/or pre‑approve additional products and services.

• Comply with applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Exhibit Blaze’s Core Values:
  Better Lives, Thoughtfully Compassionate, Minnesota’s Best, and Give Back.
• Maintain regular and predictable attendance.
• Perform other duties as assigned to support effective department operation.

• Minimum high school degree or equivalent.
• Minimum 2–3 years related or similar financial institution experience.

• Strong verbal and written communication skills.
• Computer skills including Microsoft products.
• Excellent problem‑solving and analytical skills.
• Organized, detail oriented.

Ability to proactively respond to members/employees to problem‑solve based on guidelines; written communications are based on templates but can be modified.

Ability to sit and stand; answer calls; operate computer; interact with internal employees and members on the phone; travel to designated offices; lift up to 20 lbs.

Diversity creates a healthier atmosphere, and we encourage diverse applicant depth and breadth. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

The salary range for this position is: $28.56–$32.50/hour. This range reflects the base salary for this position. Benefits include low‑cost medical (as low as $20 per paycheck), dental insurance, vision insurance, quarterly bonuses, generous vacation and sick time hours, paid leave options, up to 6% 401k contribution, and tuition reimbursement.