Consumer Loan Underwriter

2355 W Pinnacle Peak Rd, Phoenix, AZ 85027 Join Us in Making an Impact At OneAZ Credit Union, our success is measured only by yours. We’re here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly matters—you've found it! You’re impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated. If this sounds like you, let’s build something great together. What You’ll Do This position will be located at our Corporate Office: 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027 This position has the authority to approve, and/or decline consumer loan requests which includes Home Equity loanproducts. This position will work in a call center environment in partnership with our branches. Consumer loan applications will be received from on-line sources, Credit Union branches, indirect channel, and direct calls from our members and dealerships. Essential Functions Works closely with management to ensure expected service levels to members and internal associates are met. Assists in the training of department personnel to ensure service levels, policy, and procedures are understood and implemented. Promotes partnership and teambuilding between Consumer Loan Fulfillment, branches, and other business areas, resolving issues and maintaining effective communications. Requests for applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation. Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan or submits application to management for verification and recommendation Resolves uncertainties relating to member application information through inquiries with applicant or creditors. Approves loan within specified limits or refers loan to Consumer Loan Fulfillment management for approval. Responsible for underwriting consumer direct loans including vehicle loans, recreational loans, indirect loans, unsecured loans, share secured loans, credit cards, and home equity products. Confirms accuracy of income, indebtedness, ratios, loan-to-value, and calculations necessary for final loan decision. Refers loan to management if the loan amount exceeds the authorized lending authority. Works closely with processing, closing, funding and quality assurance to ensure that the member benefits from the loan product. Compiles loan package and facilitates negotiation of loan structure with applicants, including fees, loan repayment options, and other credit terms. Communicates underwriting decisions in written form to the member/branch, and follows up with branch staff on questions regarding the decision. Educates the branch and/or member of steps that can be taken to ensure credit quality and future approvals. Assist as requested in training new Consumer Loan Fulfillment team associates and branch lending associates, as assigned by leadership. Ensure loan agreements are complete, accurate, and in compliance with policy. Advises loan manager of external factors that may affect established lending policies, such as new or revised legislation and regulations. Recommends and implements appropriate changes to established policies and procedures. Maintains thorough knowledge of all federal and state regulations governing consumer lending, including real estate lending regulations. Maintains knowledge of all Credit Union departments and their interaction with the Retail Lending team and the Consumer Loan Fulfillment team. Provides loan data to support marketing and sales promotion programs. As volume dictates, assumes responsibilities and duties throughout all areas of Consumer Loan Fulfillment, includingand not limited to taking inbound phone calls from branches, dealers and members; following up with members regarding loan decisions; setting loan closing appointments and equity loan processing What You Bring High school diploma or GED required Associate’s degree relevant fields preferred 5 to 8 years of similar or related experience. Minimum of five years in consumer loan underwriting Strong working knowledge of the industry-standard loan programs being offered Compensation & Benefits Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time Target hiring range $27.32/hr. - $34.15/hr. (Depending on experience and prior to any incentives this position is eligible for) Why Join OneAZ? At OneAZ,we’renot just a credit union;we’rea financial trailblazer that passionately cares about inspiring dreams and driving prosperity in the communities we serve. We exist to clear the way for dreamers and doers, aspiring to be the bankfor new pioneers. We are driving change in our communities, constantly improving our products and services so our members and their families can relentlessly pursue their dreams. By embodying our values and living our promise, you’ll be part of a team committed to exceeding expectations and redefining what’s possible. Additional Notes Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights. Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws. All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws. Any individual who meets the definition of a mortgage loan originator (MLO) and is employed by a federal agency-regulated institution will need to be registered on the Nationwide Mortgage Licensing System (NMLS). Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC). This job description should not be considered all-inclusive. It is merely a guide of expected duties. The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. Complies with all policies and standards. Position grades could fluctuate based on market value. As set forth in OneAZ Credit Union’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law. #J-18808-Ljbffr OneAZ Credit Union