Underwriter (Banking)

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Thank you for taking the time to review our Consumer Lending Underwriter position. At Leaders Credit Union, our mission is “Power your passion and make lives better.” We truly appreciate your interest in Leaders Credit Union.

Who is Leaders Credit Union?
We are a member‑owned financial cooperative. This means that we exist to serve the needs of the consumers who own accounts at Leaders Credit Union. They are owners, and their financial well‑being is at the heart of every decision we make. We are one of the largest credit unions in West Tennessee, and one of the most stable. Our purpose is simple: to provide a sound, convenient alternative to traditional banking.

Community Minded

That mission is lived out by member‑facing personnel as well as our back‑office employees.

Extensive training! We go to great lengths to make sure you know your job responsibilities and are comfortable through a very thorough training process. We offer monthly classes on everything from mortgage products to conflict resolution. Being part of a quickly growing financial institution leaves room for personal growth, and we do our best to promote from within whenever possible.

Leaders Credit Union is hiring a Consumer Lending Underwriter to join our Lending team. From an underwriting perspective, you will spend time decisioning consumer loan applications within your delegated lending authority. What does a day as an Underwriter look like?

Within your Underwriting function, you would be responsible for reviewing and evaluating loan documents from our branch network, working to ensure that all loans are decisioned in accordance with the Credit Union lending policies.

Reviewing and evaluating loan documents to ensure loan conditions meet credit union standards for indirect direct lending. Evaluate the earnings and financial condition of applicants to make decisions to approve, counter, decline, or when needed, request additional information.

Reviews the loan documents for completeness and accuracy. Records loan denials with supporting data used for declining.

Maintains records of approved and denied applications, making notes for any denials or exceptions.

In addition to day‑to‑day credit decisioning, this role serves as the team’s go‑to expert and system administrator for our Loan Origination System. You will help safeguard the health, accuracy, and continuous improvement of the platform that powers our consumer lending engine, and you would:

Serve as a system administrator for the LOS, including day‑to‑day maintenance, user access and permissions, workflow and queue configuration, template management, and resolution of system issues in partnership with IT and the LOS vendor.

Recommend improvements to underwriting criteria, lending policy execution within the system, and overall loan workflow by bringing data, peer benchmarks, and frontline insight to inform final decisions.

Act as the escalation point for LOS questions from underwriters, processors, and branch staff, and as the internal subject‑matter expert when working with LOS support and our vendor partners.

The hours will be Monday through Friday from 8:00 am to 5:00 pm and the occasional Saturday, which would be 9:00 am to 1:00 pm.

A bachelor’s degree in business, accounting, economics, or any similar or related field.

Previous experience as a Consumer Lending Underwriter preferred.

Prior system administrator, configuration, or “power user” experience is a significant plus.

Comfort with data and reporting tools preferred.

A process‑improvement mindset - someone who notices friction in a workflow and proactively brings a solution, not just the problem.

Proficiency in Microsoft Suite of Products (Excel, Outlook, Word, etc.)

Must maintain a working knowledge of the credit union’s loan standards and governmental regulations.

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