Consumer Loan Underwriter

TEG Federal Credit Union•Poughkeepsie, NY

1d•Onsite

About The Position

At TEG Federal Credit Union, our mission is to improve the financial well-being of our members, employees, and communities. We pride ourselves on building strong relationships and delivering financial services with care. By practicing Integrity, Professionalism, Service Excellence, and Cooperation in everything we do, we create a workplace where both our team and our community can thrive. As a Consumer Loan Underwriter, you will be responsible for evaluating and underwriting credit requests across our branch network. You will analyze applicants' creditworthiness, financial standing, and repayment ability to make high-quality lending decisions. By balancing borrower character and capacity with established policies and procedures, you will protect the credit union's assets while delivering an exceptional experience to our members.

Requirements

Three (3) to five (5) years of similar or related financial lending and underwriting experience.
A two-year college degree, a specialized professional certification/license, or equivalent completion of vendor-conducted specialized training or apprenticeship programs.
Strong relationship-building skills with the ability to handle first-level conflict resolution.
Exceptional diplomacy, tact, and the ability to maintain a high degree of confidentiality and discretion.
Excellent active listening, verbal, and written communication skills.
Proficiency with Microsoft Word, Windows-based programs, and strong data entry/typing skills.
Must understand the credit union philosophy and system.
A Level 2 Lending Authority or higher with the clear potential to achieve Level 3 authority within six (6) months of hire.

Responsibilities

Receive loan applications from the central queue and analyze financial data to evaluate risk.
Approve loans within established credit union guidelines, set appropriate terms, and collaborate with branch staff on approvals.
Forward complex requests to higher authority levels when necessary, and contact applicants directly to clarify details and ensure a seamless experience.
Review credit reports and applications to identify cross-selling opportunities.
Proactively uncover additional outstanding loan prospects to assist members, effectively matching credit union products and services to their financial needs.
Advise Account & Loan Representatives on application requirements and provide guidance when additional information is needed.
Offer comprehensive financial guidance to loan applicants and prepare weekly loan status reports.
Perform other related duties and special projects as assigned by management.
Must be available to work on a weekend if needed.