Consumer Loan Underwriter II

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we’re proud of our history, we’re even more excited about our future. With business and technology transformation on the horizon, there’s never been a better time to be part of BECU. PAY RANGE The Target Pay Range for this position is $38.56-$47.02 hourly. The full Pay Range is $30.00-$55.63 hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS – because people helping people starts with supporting you 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match IMPACT YOU’LL MAKE: 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 will help ensure each member receives fair, timely, and well-structured lending solutions, while also supporting the continued strength and integrity of BECU’s lending portfolio. In this role, your voice matters—you’ll influence decisions, improve processes, and directly contribute to meaningful financial outcomes for our members. Note: This role requires working multiple shifts on PST time including closing shift, working weekends and holidays. WHAT YOU’LL DO: Apply Lending Expertise: You 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: You review applications and confidently approve, counteroffer, or decline loans and credit lines within your authority, ensuring alignment with guidelines and risk standards. Handle Exceptions Thoughtfully: You assess and decide on loan exception requests within your authority, using sound judgment while maintaining compliance—excluding appraisal-related exceptions. Deliver Timely Outcomes: You prioritize efficiency by reviewing applications promptly, clearly communicating decisions, and helping members understand options such as denials, counteroffers, or alternative solutions. Partner with Dealerships: You collaborate closely with indirect lending partners, providing responsive underwriting support while resolving dealer concerns with professionalism and care. Support Member Solutions: You 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: You assess income and cash flow with accuracy, ensuring verification aligns with BECU guidelines, even in more complex or non-traditional situations. Provide Recommendations: You partner with leadership by escalating and recommending decisions on loans that fall outside your authority. Maintain Portfolio Quality: You help uphold strong lending standards by meeting portfolio quality benchmarks and reinforcing responsible lending practices. Act as a Trusted Escalation Point: You step in to support escalated member or dealer concerns, helping resolve issues efficiently and positively. Stay Informed: You maintain deep knowledge of credit bureau practices, consumer loan products, and internal decisioning processes to guide your work effectively. Improve Processes: You monitor workflows, identify opportunities for efficiency, and contribute ideas that enhance service levels and operational effectiveness. Drive Continuous Improvement: You research and evaluate potential product or process enhancements, sharing recommendations that support innovation across the team. Support Team Success: You contribute wherever needed, taking on additional responsibilities to support team goals and member experience. This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered. WHAT YOU’LL GAIN: A role where your 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 your insights and ideas are valued The ability to strengthen your credit analysis, underwriting, and decision-making skills A team that supports continuous learning, development, and career progression The chance to influence process improvements and operational efficiency A purpose-driven organization focused on member success and community impact QUALIFICATIONS: Minimum Qualifications: Minimum requires a bachelor’s degree in business administration or equivalent work or education-related experience. Minimum requires 3 years of consumer lending underwriting experience to include all secured, unsecured, indirect, and home equity products and appraisal underwriting. Experience in underwriting unusual or complex consumer requests required. Mathematical skills, with a high degree of accuracy. Desired Qualifications: Ability to make sound credit recommendations and decisions. Strong time management and organization skills to effectively prioritize multiple objectives and achieve volume goals. Ability to effectively problem solve and trouble shoot difficult member situations. JOIN THE JOURNEY Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don’t just fill a role, but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney EEO Statement: BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status. Job Alerts: If you would like to be kept informed of new potential opportunities, click here. You will be asked to create an account if you do not already have one. From our very beginning, BECU has been about people helping people. As a financial services cooperative, our purpose has and always will be the same: we work together to best serve our members and improve the financial well-being of our community. With 90 years and over one million members later, we're still rooted in our values, practices and mission - and even more passionate about our future. As one of the nation's leading credit unions, we're not driven by profit. We're owned by our members and their interests are at the core of everything we do. Now we're growing faster than ever before--but we'll never forget our roots. To continue doing right by our members, we believe we must first do right by our people. Here, you'll receive the resources and support you need to learn, grow and build a meaningful career. Because we know it's our people who make us special.