Consumer Loan Underwriter

Corporate Office
303 Shoshone Street North
Twin Falls, , USA

Why work for First Federal Bank?

Our company culture is driven by our desire to serve our members and communities, something we have done for over 100 years. Along with doing meaningful work, enjoy perks and benefits that come along with being part of Idaho’s only mutual bank – no stockholders or majority owners, just our account members!

Eligible employees receive paid vacation, sick leave, and holidays; health insurance, dental insurance, and vision insurance; 401(K) retirement with employer match; educational and student loan repayment assistance; life insurance; long‑term disability insurance; loan incentives; and service recognition.

Employees also receive paid volunteer hours and can participate in our Pay‑It‑Forward program to give back to the communities we serve. In addition, the First Federal Foundation has provided over $1.4 million to local non‑profits since 2003.

For a meaningful job and to be part of a community‑focused team, as well as much more, apply today at

The Consumer Loan Underwriter will:

• Underwrite consumer loans to evaluate the overall risk of the loan to determine eligibility
  • May include credit, income analysis, asset verification and analysis, collateral review, bank policies, third‑party guidelines, and determine conditions to satisfy the loan approval.
• Prepare loan closing disclosures and documents and ensure timely delivery to borrower(s) and loan originator for non‑real estate secured loans.
• Complete the loan funding and ensure loan proceeds balance with disbursements and funds collected from other parties and then release loan proceeds accordingly for non‑real estate secured loans.
• Review loans that receive automated approval to ensure reasonableness of the automated decision.
• Assist with review of consumer loan denials.
• Communicate throughout the underwriting process with retail banking and loan processing staff.
• Support retail banking and loan processing staff by answering questions, evaluating scenarios, and providing suggestions for loan approvals.
• Present loan files to Loan Committee for review.
• Complete other duties as assigned.

Minimum Qualifications

• High school diploma, and
• Three years of combined lending experience to include origination, processing, or underwriting.
• Driven
  :
  Hard‑working, self‑motivated, and strives for excellence.

• Dedicated
  :
  Committed to the success of colleagues, customers, and the Bank.
• Seeks opportunities to contribute, learn, and grow. Brings positive energy, initiative, and collaboration to help the team and Bank win.
• Engaged
  :
  Cares about their job and the Bank’s success.
• Has a team‑first attitude—caring more about the team’s success than personal recognition. Follows through on commitments and takes ownership for results.
• Energetic, curious, and focused on their work and the Bank’s mission. Collaborates with purpose and builds internal and external relationships.

Preferred Qualifications

• Associate degree or higher.
• Three years of consumer or mortgage underwriting experience at a bank, credit union, or mortgage company.

Job Requirements

• Reliable transportation to and from work.
• Sitting or standing for extended periods of time and the ability to work and operate computer applications and equipment.
• Able to perform essential responsibilities of the job with or without reasonable accommodation.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.