Consumer Loan Underwriter

Join 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.

Location:
San Jose, CA

Pay: $33.65 - $45.67 per hour

Consumer Loan Underwriter

• 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.

• 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.

• Consumer Lending
• Credit Analysis
• Risk Assessment
• Direct Lending
• Indirect Lending
• Loan Underwriting
• Secured Lending
• Unsecured Lending
• Financial Analysis
• 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.

If you're an experienced Consumer Loan Underwriter with strong credit judgment and a passion for helping borrowers find solutions, we'd love to hear from you.

All qualified applicants will receive consideration for employment without regard to race, color, national origin, age, ancestry, religion, sex, sexual orientation, gender identity, gender expression, marital status, disability, medical condition, genetic information, pregnancy, or military or veteran status. We consider all qualified applicants, including those with criminal histories, in a manner consistent with state and local laws, including the California Fair Chance Act, City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, Los Angeles County Fair Chance Ordinance, and San Francisco Fair Chance Ordinance.