Consumer and Mortgage Loan Underwriter

First Commerce Credit Union•Tallahassee, FL

About The Position

Ready to Make Smart Lending Decisions That Impact Lives? Join First Commerce as a Consumer & Mortgage Loan Underwriter! If you're passionate about analyzing financial data, making sound decisions, and helping members achieve their financial goals - this role is for you. At First Commerce Credit Union, we're committed to being our members' financial partner for life, and our underwriters play a critical role in making that vision a reality. As a Consumer & Mortgage Loan Underwriter, you'll evaluate loan requests, apply sound lending principles, and make key decisions that support both our members' needs and the credit union's success. You'll also serve as a trusted resource for internal teams, helping guide lending practices and support strong credit outcomes.

Requirements

Bachelor's degree in finance, business, or a related field (or equivalent experience/certification)
3–5 years of experience in loan underwriting and credit approvals
Strong analytical and decision-making skills with the ability to evaluate complex loan scenarios
In-depth knowledge of consumer lending, credit analysis, and loan structuring
Excellent communication and negotiation skills with a member-focused mindset
A commitment to compliance, quality control, and fair lending practices
Ability to manage competing priorities and maintain accuracy in a fast-paced environment
Proficiency with Microsoft Office and lending systems

Responsibilities

Review and underwrite consumer, home equity, and other loan products - making decisions on approvals, overrides, exceptions, and rate concessions within your authority.
Assess risk and structure loans appropriately - considering compensating factors, additional collateral, loan terms, or other conditions to ensure responsible lending practices.
Collaborate with leadership to provide feedback on lending guidelines, policies, and product offerings, while also tracking trends and supporting departmental metrics related to loan quality and performance.
Act as a consultative partner - helping members understand their financial options, improve their credit profiles, and identify opportunities for additional products or services.
Support internal development by coaching lending staff, conducting training, and ensuring consistent, high-quality decisioning across the organization.