Consumer Underwriter

At Radiant Credit Union, we’re a team that thrives on building brighter futures for all through strong financial foundations. We’re looking for genuine, motivated individuals who enjoy connecting with people to join us in delivering exceptional service. If you're seeking a stable, growth-oriented career where work makes an impact, we’d love to meet you! Our Culture We believe everyone who works with us at Radiant should have the power to shine. Our culture is built on connection, care, and community impact. We’re passionate about creating brighter futures by investing in the places we live, work, and play - and that starts with our people. Integrity guides everything we do, and our people are empowered to explore new ideas, grow with purpose, and help shape meaningful experiences for our members. We celebrate the unique light each person brings and foster a welcoming, inclusive environment where everyone feels valued. For all in our community, we go the extra mile to create moments that feel personal and thoughtful, because our members and teammates deserve nothing less than exceptional care and service. To us, taking care of our team includes professional, financial, and personal wellness. Our comprehensive benefits package includes health, dental, and vision insurance, along with access to telemedicine. We offer a generous PTO accrual, eleven and a half paid holidays (bank holidays!), and programs like our Employee Assistance Program, gym reimbursement, and education reimbursement to make sure our people are taking time to rest, stay active, and grow. A team of employees who are appreciated and supported is a team that creates the best member experience, so we're committed to setting the standard for how people should be treated. Who We Are For more than 50 years we've been a place where community is created and strengthened. We've built our foundation on being a place that builds brighter futures for all. Be part of our team, start your Radiant journey today. Location: Gainesville, FL Position Purpose: The Consumer Underwriter is primarily responsible for analyzing, evaluating, and decisioning consumer loan applications in accordance with established credit union policies, regulatory requirements, and risk tolerance. This role is responsible for maintaining sound credit quality while providing timely and accurate loan decisions that support the credit union’s lending objectives and a positive member experience. Essential Functions: Reviews and evaluates consumer loan applications, including direct and indirect applications, to determine whether the borrower(s), loan structure, and proposed terms meet the credit union’s established underwriting and risk standards. Makes credit decisions within assigned lending authority and establishes appropriate terms and conditions for approved loans. Ensures all lending decisions and practices comply with applicable NCUA requirements and federal and state laws, regulations, and credit union policies. Funds indirect loan contracts in accordance with established procedures. Reviews indirect loan files and performs quality control to ensure contract terms, documentation, funding requirements, and other file components are complete and accurate prior to funding. Provides support to the Loan Processor with loan servicing functions, including ensuring liens and titles are properly perfected and recorded on all applicable collateralized property. Processes GAP, warranty, and collateral protection insurance as required. Reviews and maintains loan documentation to ensure files are complete, accurate, and compliant with established procedures, credit union policies, and applicable regulatory requirements. Performs other duties as assigned. Minimum Education, Experience and Skills Required: Education (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program. Experience Three years to five years of similar or related experience. Skills Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication. “I had a wonderful experience with Radiant Credit Union! It’s rare to find a place where you genuinely feel valued as a member, but that’s exactly how I feel here. I truly appreciate all of you — thank you for consistently providing such excellent service!” Ruthann “We've been with Radiant Credit Union for years and have always been impressed with their friendly professionalism and efficiency. #J-18808-Ljbffr