Consumer Lending Underwriter

Deseret First Credit Union•West Valley City, UT

13h•Hybrid

About The Position

Responsible for analyzing, underwriting, and decisioning consumer and in-house mortgage loan applications in accordance with credit union lending policies, regulatory requirements, and sound risk management principles. This position evaluates creditworthiness, verifies applicant information, and ensures accurate documentation while balancing risk, compliance, and member service objectives. Schedule: 40 hours per week, flexible between 8:30am - 6:00pm Monday-Friday, as well as rotating Saturdays. Work Conditions: Office environment, moderate walking This position currently allows for a hybrid work schedule; however, the number of required office days are subject to change at any time based on business needs, team collaboration needs, or manager discretion Deseret First Credit Union is proud to be an Equal Opportunity Employer, providing equal employment opportunities to all employees and applicants without regard to race, color, religion, sex, gender identity, age, national origin, disability veteran status, pregnancy, sexual orientation, or any other characteristic protected by law.

Requirements

High school diploma or GED required
1-3 years of similar or related experience preferred
Strong analytical and risk assessment skills
Sound judgment and decision-making ability
High attention to detail and accuracy
Ability to prioritize and meet deadlines in a fast-paced environment
Effective written and verbal communication skills
Strong organizational and time management skills
Ability to interpret and apply policies, procedures, and regulatory requirements
Professionalism, dependability, and accountability
Proficiency in Microsoft Office Suite (Word, Excel, Outlook)
Experience with loan origination and underwriting systems preferred
Ability to quickly learn and adapt to new software platforms

Responsibilities

Underwrite, evaluate and make decisions for consumer loan and in-house mortgage applications which includes approval, declines, or counter-offers
Analyze credit reports, income documentation, collateral, ratios, and other financial data to assess borrower(s) risk
Ensure compliance with internal lending policies and regulations
Verify application data and supporting documentation for accuracy and completeness
Communicate with loan officers and other departments to obtain additional information or clarification as needed
Review, verify, and clear underwriting stipulations in a timely manner
Prepare detailed information supporting loan approvals, counteroffers, and denials, citing applicable policy and regulatory guidelines
Underwrite loan modifications and evaluate risk impact
Review and process subordination requests
Maintain current knowledge of credit union lending policies, procedures, and regulatory changes
Meet established productivity, quality, and turnaround time standards
Provide exceptional internal service while supporting overall member satisfaction
This job description is not an exhaustive list of all job duties; Other duties may be assigned at any time