Desert Financial

Phoenix, AZ

Consumer Loan Underwriter II

Posted over 1 month ago

Job Description

Who you are

Youre an excellent communicator and critical thinker, adept at quickly building rapport and relationships with internal stakeholders, external clients/vendors, and members. As a Consumer Loan Underwriter II, you will review and decision consumer loans (auto, personal, home equity, etc) that are unable to be decisioned by the automated lending system, utilizing internal and regulatory guidelines to minimize risk.

A typical week might include the following

Evaluate collateral, credit, ratios and risk to determine appropriate loan decision for the organization.

Review and confirm all information is complete and accurate in accordance with established guidelines and legal requirements (for example: Fair Lending Act), including, but not limited to, review of format, content, dates, names, personally identifiable information (PII), grammar.

Analyze supporting documentation including, but not limited to, tax returns, appraisals, credit reviews, personal and/or business financials for covenant compliance for borrowers and guarantors.

Provide guidance and coaching to internal stakeholders to increase accuracy and efficiency thereby reducing risk.

Proactively identify and escalate red flags and potential fraud within an application to improve training and future applications.

Communicate and respond to internal stakeholders, external clients/vendors, and members to ensure a superior member experience and good understanding of the departments responsibilities. Ensure adverse action notifications are handled according to regulatory guidelines.

Monitor the loan queue by following department protocols to meet or exceed service standards.

Perform other job-related duties as assigned.

This role might be right for you if you have...

High School Diploma or GED.

2 years of progressive consumer/indirect auto underwriting experience.

5 years of consumer lending experience.

Written, verbal, and presentation communication skills appropriate to all levels of the organization.

Bonus points if you have...

2 years of home equity underwriting experience.

Specific training courses in this field: RESPA, REG B, Fair Lending, CFPB.

About us...

We are considered leaders in the local credit union space, and we are growing like crazy. Weve got a culture focused on smarts, kindness, continuous learning...and our people love it. A full 93% of our employees would recommend us to their friends. Come find out why! Learn more at

We are proud to be an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

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