Consumer Loan Underwriter (I)

Job Description

Job Description

Consumer Loan Underwriter

LOCATION
Winston-Salem, NC 27101 | Onsite

COMPENSATION & SCHEDULE
• Pay: $25.24 per hour
• Schedule: 9:00 AM–6:00 PM or 10:00 AM–7:00 PM EST
• Employment Type: W2 contract

ROLE IMPACT
Support timely, accurate consumer lending decisions by evaluating credit applications, assessing risk, and applying established underwriting guidelines. This role helps protect lending quality, prevent fraud, and deliver responsive service to dealer partners and customers. Success requires sound judgment, strong attention to detail, and the ability to manage a high volume of applications in a fast-paced environment.

KEY RESPONSIBILITIES
• Review, process, and decision consumer credit applications using established underwriting policies, credit scorecards, fraud prevention procedures, and risk assessment guidelines.
• Evaluate loan-to-value (LTV) ratios, original equipment manufacturer (OEM) financing promotions, advance rates, and mitigating factors to make accurate credit decisions.
• Maintain accurate applicant and dealer records, document underwriting decisions, and meet established service level agreement (SLA) turnaround times.
• Respond to dealer and customer inquiries regarding credit decisions, financing programs, incentives, lien perfection, and lending procedures while supporting dealer relationships.
• Follow Bank Secrecy Act/Anti-Money Laundering (BSA/AML) requirements, fraud prevention controls, and regulatory procedures while assisting with operational and customer service initiatives.

MINIMUM QUALIFICATIONS
• Excellent verbal and written communication skills with the ability to communicate professionally with customers, dealers, and internal teams.
• Ability to multitask, prioritize applications, and maintain accuracy in a fast-paced, deadline-driven environment.
• Ability to work flexible hours, including either assigned Eastern Time shift, and report onsite in Winston-Salem, NC.

CORE TOOLS & SYSTEMS
• Credit underwriting and loan origination systems
• Credit scoring and risk assessment tools
• Loan-to-value (LTV) and financing calculation processes
• Dealer management and customer information systems
• Microsoft Office, including Excel, Word, and Outlook
• Windows-based computer systems

PREFERRED SKILLS
• Bachelor's degree and experience in consumer lending, retail finance, indirect lending, or credit underwriting.
• Customer service experience with strong decision-making, organizational, and problem-solving skills.
• Advanced computer proficiency and familiarity with dealer financing programs, OEM promotions, and regulatory lending requirements.

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