Consumer Loan Underwriter II

BECU•Remote, WA, WA

4d•Onsite

About The Position

As a Consumer Loan Underwriter II, you play a key role in helping members achieve their financial goals by making thoughtful, informed lending decisions. You’ll work across multiple channels—including dealership partners and real estate-secured products—to evaluate complex applications with care and precision. Your expertise will help ensure each member receives fair, timely, and well-structured lending solutions, while also supporting the continued strength and integrity of BECU’s lending portfolio. In this role, your voice matters—you’ll influence decisions, improve processes, and directly contribute to meaningful financial outcomes for our members. This role requires working multiple shifts on PST time including closing shift, working weekends and holidays.

Requirements

Minimum requires a bachelor’s degree in business administration or equivalent work or education-related experience.
Minimum requires 3 years of consumer lending underwriting experience to include all secured, unsecured, indirect, and home equity products and appraisal underwriting.
Experience in underwriting unusual or complex consumer requests required.
Mathematical skills, with a high degree of accuracy.

Nice To Haves

Ability to make sound credit recommendations and decisions.
Strong time management and organization skills to effectively prioritize multiple objectives and achieve volume goals.
Ability to effectively problem solve and trouble shoot difficult member situations.

Responsibilities

Apply Lending Expertise: You bring a strong understanding of BECU’s loan policies, real estate lending practices, and applicable state and federal regulations to make informed decisions on a wide range of consumer loans.
Evaluate Lending Decisions: You review applications and confidently approve, counteroffer, or decline loans and credit lines within your authority, ensuring alignment with guidelines and risk standards.
Handle Exceptions Thoughtfully: You assess and decide on loan exception requests within your authority, using sound judgment while maintaining compliance—excluding appraisal-related exceptions.
Deliver Timely Outcomes: You prioritize efficiency by reviewing applications promptly, clearly communicating decisions, and helping members understand options such as denials, counteroffers, or alternative solutions.
Partner with Dealerships: You collaborate closely with indirect lending partners, providing responsive underwriting support while resolving dealer concerns with professionalism and care.
Support Member Solutions: You identify member needs and explore opportunities for loan restructuring or alternative products, ensuring applications are complete and aligned with their financial goals.
Analyze Complex Financials: You assess income and cash flow with accuracy, ensuring verification aligns with BECU guidelines, even in more complex or non-traditional situations.
Provide Recommendations: You partner with leadership by escalating and recommending decisions on loans that fall outside your authority.
Maintain Portfolio Quality: You help uphold strong lending standards by meeting portfolio quality benchmarks and reinforcing responsible lending practices.
Act as a Trusted Escalation Point: You step in to support escalated member or dealer concerns, helping resolve issues efficiently and positively.
Stay Informed: You maintain deep knowledge of credit bureau practices, consumer loan products, and internal decisioning processes to guide your work effectively.
Improve Processes: You monitor workflows, identify opportunities for efficiency, and contribute ideas that enhance service levels and operational effectiveness.
Drive Continuous Improvement: You research and evaluate potential product or process enhancements, sharing recommendations that support innovation across the team.
Support Team Success: You contribute wherever needed, taking on additional responsibilities to support team goals and member experience.