Senior Loan Underwriter

Job Description

Job Description

Ready to Lead Lending Decisions? Join First Commerce Credit Union as a Senior Loan Underwriter!At First Commerce Credit Union, we're more than a financial institution - we're a community catalyst, empowering lives and transforming neighborhoods. We're currently seeking a detail-driven, strategic Senior Loan Underwriter to help us fulfill our Vision: Empowering Generations, Transforming Communities.If you're passionate about lending, compliance, and helping members achieve financial success through sound credit decisions, this is your opportunity to make a lasting impact.What You'll Be DoingAs a Senior Loan Underwriter, you'll be a key decision-maker in our lending operations - ensuring quality, compliance, and member-focused solutions across consumer, home equity, and first mortgage loans.Underwrite consumer, home equity, and select first mortgage loans.Make decisions on loan overrides, exceptions to policy, and rate concessions.Structure layered credit risk through collateral, co-makers, terms, and down payments.Recommend non-conforming first mortgages for portfolio inclusion and rate setting.Analyze and report departmental metrics including overrides, quality control, and portfolio trends.Collaborate with leadership to develop budgets and recommend product, rate, and policy changes.Provide consultative support to members to improve credit profiles and offer flexible solutions.Conduct periodic credit reviews and manage credit limit adjustments.Review and process employee loan requests.Serve as a mentor and coach to junior underwriting staff and front-line lending teams.Deliver training to enhance credit-related skills across the organization.What You Bring to the TableYou're a seasoned lending professional with a sharp eye for detail and a heart for service.Bachelor's degree in finance, business, or related field (or equivalent experience).5+ years of experience in loan underwriting and credit approvals.Deep knowledge of loan products, credit reporting, and fair lending practices.Strong analytical, mathematical, and decision-making skills.Excellent communication and interpersonal judgment.Ability to work flexible hours, including evenings and weekends as needed.Intermediate proficiency in Microsoft Office Suite.Commitment to delivering consistently courteous, positive member service.Why First Commerce?We're a full-service, member-owned credit union with deep roots in the community and a bold vision for the future. Our culture is built on integrity, innovation, and service excellence. At First Commerce, you're not just joining a company - you're joining a cause.What's in It for You?Competitive pay that reflects your experience and impactHealth, dental, and vision insurance401(k) with company matchGenerous PTO and paid holidaysEmployee assistance programsOngoing training and professional developmentClear career advancement opportunitiesA supportive, energetic team environment$500 referral bonus when you help us find our next great hire!Ready to Shape the Future of Lending?Apply today and help us build stronger communities - one loan at a time.First Commerce Credit Union – Where Service Meets Purpose.