Credit Underwriter Mornings

Position: Credit Underwriter (Sunday – Thursday Mornings)
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** Credit Underwriter (Sunday – Thursday Mornings)**###
*
* Reports To:

** Credit Manager###
** Locatio
* *** n:
** West Des Moines, Iowa###
** FLSA Status****:
** Non-exempt## JOB SUMMARY The Credit Underwriter plays a foundational role in the loan origination process by performing initial evaluations of credit applications within a fast-paced, technology-driven environment. This individual supports the underwriting pipeline by ensuring borrower information is complete and accurate, reviewing standard-risk applications, and identifying files that require further manual assessment. The Underwriter uses decisioning tools and established credit policy to assess risk factors while learning the broader framework of credit analysis.

This position offers a strong entry point into a career in financial underwriting, with opportunities for growth into more complex decision-making roles.## RESPONSIBILITIES
* Conduct credit and risk analysis for standard applications within set guidelines.?
* Accurately document underwriting decisions and ensure loan file completeness.?
* Communicate decisions clearly to internal partners.?
* Participate in training and onboarding programs to build credit knowledge.?
* Consistently meet or exceed performance and quality metrics.
* Communicate with internal teams to resolve application issues or missing documentation.
* Escalate complex or unclear cases.
* Maintain compliance with regulatory requirements and internal policies.
* All other tasks and duties as assigned related to the position## QUALIFICATIONS
* Associate or bachelor’s degree in finance, business or related field preferred
* 1-2 years of experience preferred. Entry-level experience required with some exposure to financial or credit review processes.
* Familiar with credit bureaus and financial documentation.## KNOWLEDGE AND SKILLS
* Strong attention to detail and commitment to accuracy.
* Ability to learn quickly and adapt to evolving credit policies.
* Excellent written and verbal communication skills.
* Detail-oriented with strong analytical and organizational skills## DETAILS
* Hybrid environment available.
* Schedule will be Sundays 10AM-7PM, Monday – Thursday 7AM-3:30PM
* Pay based on experience, starting at $25/hour### APPLY TO WORK AT WATERCRESS FINANCIAL Name(Required)
Drop files here or Accepted file types: doc, docx, pdf, Max. file size: 64 MB, Max. files: 3.####
* What does the hiring process look like after submitting a resume?
* 1. If you see a position that you feel aligns with your skillset, apply! Our HR team will review your resume and determine if your background is what we are looking for. Talented candidates will be contacted to do a phone screen.
2. Candidates that are selected will be asked to do an in-person or virtual interview with the hiring manager. A second interview with additional managers or members of the executive team may be necessary depending on the position.
3. The hiring manager will then select a candidate to receive an offer for the position!4. Once an offer letter has been signed, all positions will be asked to complete a background and credit check to be completed prior to hire.
5. It’s time to start your new position at Watercress Financial!
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