Consumer Loan Underwriter II

PAY RANGE

Target hourly: $38.56–$47.02. Full range: $30.00–$55.63. Compensation decisions consider relevant job‑related skills, experience, and education or training. Performance‑based incentives are available and vary by role.

• 401(k) company match up to 3% with a 4% annual contribution by BECU
• Medical, dental, and vision coverage (family contributions optional)
• PTO program
• Exchange program
• Tuition reimbursement program
• Volunteer time off and donation match through BECU Cares

As a Consumer Loan Underwriter II, you play a key role in helping members achieve their financial goals by making thoughtful, informed lending decisions. You’ll work across multiple channels—including dealership partners and real‑estate‑secured products—to evaluate complex applications with care and precision. Your expertise helps ensure each member receives fair, timely, and well‑structured lending solutions while supporting the continued strength and integrity of BECU’s lending portfolio.

Your voice matters—you influence decisions, improve processes, and directly contribute to meaningful financial outcomes for our members.

• Apply Lending Expertise: bring a strong understanding of BECU’s loan policies, real‑estate lending practices, and applicable state and federal regulations to make informed decisions on a wide range of consumer loans.
• Evaluate Lending Decisions: review applications and confidently approve, counter‑offer, or decline loans and credit lines within your authority, ensuring alignment with guidelines and risk standards.
• Handle Exceptions Thoughtfully: assess and decide on loan exception requests within your authority, using sound judgment while maintaining compliance—excluding appraisal‑related exceptions.
• Deliver Timely Outcomes: prioritize efficiency by reviewing applications promptly, clearly communicating decisions, and helping members understand options such as denials, counter‑offers, or alternative solutions.
• Partner with Dealerships: collaborate closely with indirect lending partners, providing responsive underwriting support while resolving dealer concerns with professionalism and care.
• Support Member Solutions: identify member needs and explore opportunities for loan restructuring or alternative products, ensuring applications are complete and aligned with their financial goals.
• Analyze Complex Financials: assess income and cash flow with accuracy, ensuring verification aligns with BECU guidelines, even in more complex or non‑traditional situations.
• Provide Recommendations: partner with leadership by escalating and recommending decisions on loans that fall outside your authority.
• Maintain Portfolio Quality: help uphold strong lending standards by meeting portfolio quality benchmarks and reinforcing responsible lending practices.
• Act as a Trusted Escalation Point: step in to support escalated member or dealer concerns, helping resolve issues efficiently and positively.
• Stay Informed: maintain deep knowledge of credit bureau practices, consumer loan products, and internal decisioning processes to guide your work effectively.
• Improve Processes: monitor workflows, identify opportunities for efficiency, and contribute ideas that enhance service levels and operational effectiveness.
• Drive Continuous Improvement: research and evaluate potential product or process enhancements, sharing recommendations that support innovation across the team.
• Support Team Success: contribute wherever needed, taking on additional responsibilities to support team goals and member experience.

Note:

This role requires working multiple shifts on PST time, including a closing shift, weekends and holidays.

• Decisions directly impact members’ financial well‑being.
• Opportunities to work with complex and meaningful lending scenarios that grow your expertise.
• Exposure to multiple lending channels, including indirect and real‑estate‑secured products.
• A collaborative environment where insights and ideas are valued.
• The ability to strengthen credit analysis, underwriting, and decision‑making skills.
• A team that supports continuous learning, development, and career progression.
• The chance to influence process…