Consumer Loan Underwriter
Job in
San Jose, Santa Clara County, California, 95199, USA
Listed on 2026-08-23
Listing for:
Ultimate Staffing Services
Full Time
position Listed on 2026-08-23
Job specializations:
-
Finance & Banking
Underwriter, Credit Analyst, Loan Officer / Lending, Risk Manager/Analyst
Job Description & How to Apply Below
Consumer Loan Underwriter (JN - San Jose, California
Salary: USD
33.65 - USD
45.67 per hour
Location:
San Jose, CA
Pay: $33.65 - $45.67 per hour
OverviewJoin a growing financial institution as a Consumer Loan Underwriter responsible for evaluating and approving consumer loan applications while balancing sound credit decisions with an exceptional customer experience.
What You'll Do- Underwrite direct and indirect consumer loan applications.
- Analyze credit, income, collateral, debt, and overall risk.
- Make loan decisions within assigned lending authority.
- Recommend exceptions and approvals outside authorization limits.
- Identify solutions that help applicants qualify when appropriate.
- Review complex loan requests and financial documentation.
- Ensure compliance with lending policies and regulatory requirements.
- Partner with lending and branch teams to support loan growth.
- Provide guidance and support to team members on underwriting decisions.
- Recommend process improvements to enhance efficiency and service.
Required Qualifications
- 3+ years of consumer loan underwriting experience.
- Experience underwriting direct and indirect consumer loans.
- Strong credit analysis and risk assessment skills.
- Experience working within a bank, credit union, or financial institution.
- Ability to analyze financial information and make sound lending decisions.
- Strong communication and customer service skills.
- Ability to manage multiple priorities in a fast-paced environment.
- Associate degree or equivalent work experience.
- Bachelor's degree in Finance, Business, or a related field.
- Experience reviewing complex financial statements and credit profiles.
- Proficiency with Microsoft Excel and Word.
- Credit Analysis
- Loan Underwriting
- Secured Lending
- Unsecured Lending
- Regulatory Compliance
- Full-Time
- Monday through Friday
- 9:00 AM to 6:00 PM
- Occasional overtime as needed
- Flexibility to work additional hours during peak periods
- Competitive hourly pay: $33.65 - $45.67/hour
- Opportunity to underwrite a wide variety of consumer loan products.
- Collaborative and supportive team environment.
- Hybrid work flexibility based on business needs and performance.
- Growth opportunities within lending and credit operations.
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