Consumer Lending Underwriter

One Community Bank•McFarland, WI

17h•Onsite

About The Position

As a Consumer Lending Underwriter, you’ll evaluate consumer loan requests and support sound, timely decisions that align with bank policy and applicable regulations. You’ll review credit, income, collateral, and documentation; communicate approvals, conditions, and declines; and recommend alternative structures or products when a request doesn’t fit as submitted. You’ll also document decisions in the LOS, complete required adverse action steps, and help maintain data integrity. Success in this role requires strong judgment, accuracy, and a customer-minded approach while managing multiple files at once.

Requirements

1–3 years in consumer lending, underwriting, credit analysis, banking, or related financial services
Working knowledge of consumer lending rules, regulations, policies, and procedures
Strong problem-solving, time management, organization, and attention to detail
Advanced Microsoft Office skills

Nice To Haves

Experience with auto, recreational/powersports, personal loans, credit cards, or HELOCs

Responsibilities

Evaluate consumer loan requests.
Support sound, timely decisions that align with bank policy and applicable regulations.
Review credit, income, collateral, and documentation.
Communicate approvals, conditions, and declines.
Recommend alternative structures or products when a request doesn’t fit as submitted.
Document decisions in the LOS.
Complete required adverse action steps.
Help maintain data integrity.
Manage multiple files at once.
Prioritize loan queue and check for time-sensitive items.
Clarify documentation, confirm details, and keep files moving.
Ensure notes are clear, records are complete, and decisions are communicated cleanly.
Problem-solve options that help customers move forward.
Support the team during peaks.
Join a training or huddle.
Assist with nCino-related support and testing when coverage is needed.
Maintain an organized pipeline.