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About the Role
The Consumer Lending Indirect Underwriter evaluates consumer loan applications to determine creditworthiness through indirect channels or third-party vendors. This role involves analyzing financial information, credit reports, and other data to make informed lending decisions while ensuring compliance with company policies, regulations, and risk management practices.
Responsibilities
- Analyze loan applications by evaluating credit reports, application information, and financial documents to determine applicants’ ability to repay, ensuring all loan decisions comply with company policies and guidelines.
- Collaborate with the underwriting team, sales teams, and senior management to ensure a smooth and efficient loan process.
- Provide recommendations for loan approval or denial to the Loan Review Committee or Underwriting Manager when applicable.
- Maintain and handle dealer relationships, ensuring effective communication and loan accuracy.
- Identify potential fraud or misrepresentation in loan applications.
- Communicate effectively with dealers or other third-party vendors to clarify underwriting requirements and ensure loan accuracy.
- Make loan decisions, answer phones, and respond to queries within established dealer service levels.
Requirements
- High School Diploma or GED.
- Minimum of 2 years in Consumer Underwriting, Consumer Lending, or a related field; experience collaborating with dealers is preferable.
- Strong understanding of underwriting guidelines, credit risk assessment, and lending regulations.
- Strong organizational skills to manage a high volume of loan applications.
- Proficient in Excel, Outlook, and Word; experience with LOS navigation (ARC system) and DNA.
- Lending Certified
Skills
- Excel
- Outlook
- Word
- LOS navigation (ARC system)
- DNA
Location
- Remote
- Hybrid
Work Type
- Full-time
- Hybrid
- Remote
Experience Level
- 2+ years
Education Level
- High School Diploma or GED
- Lending Certified
Salary/Compensations
- $31.93 - $38.32 per hour
Benefits
- Medical coverage
- Dental coverage
- Vision coverage
- Life insurance
- Disability insurance
- Voluntary benefit programs
- 401(k) plan with employer match
- Reimbursement programs
- Wellness programs
- Annual performance-based bonus
- Tuition reimbursement
- Fitness reimbursement
- Volunteer opportunities
- Executive “Water Cooler Chats”
- Clubs, sports, and social events
- Food truck days
About the Company
- FourLeaf Federal Credit Union has been committed to the financial well-being of its members for over 80 years, offering a full range of competitive savings and loan products.
- FourLeaf is an award-winning place to work, recognized as Certified Great Place to Work 2024-2025, America’s Greatest Midsize Workplaces 2025, Quantum Workplace Employee Voice Award 2024, and Fortune’s Best Workplaces in Financial Services & Insurance 2024.
- The credit union's vision is to enrich the lives of its members, employees, and communities, actively participating in charitable giving and community development programs since 2002.
Equal Opportunity
- FourLeaf's ultimate goal is to provide the best-in-class member and employee experience, beginning with hiring incredible people and giving them a great place to work.