FSB Consumer Underwriter (Intermediate)

USAA • Phoenix, AZ

1d • Hybrid

About The Position

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We are seeking a dedicated FSB Consumer Underwriter II to join the Phoenix Consumer Underwriting team. As a dedicated Consumer Underwriter, you will review and underwrite consumer loan and credit card applications. Apply understanding of established written risks and compliance policies, guidelines, and procedures and regulatory requirements when evaluating loan attributes. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position will be based in the following location: Phoenix, AZ. Relocation assistance is not available for this position. Schedule: Requires availability to work on Saturdays or Sundays Monday - Friday, 8:00 am - 8:00 pm CST Saturday, 8:00 am - 6:00 pm CST Sunday, 8:00 am - 4:00 pm CST

Requirements

• Bachelor’s degree: OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• Minimum 2 years' consumer lending and/or real estate lending experience with an understanding of underwriting.
• Knowledge of consumer loan processes, data analysis tools, and industry competence.
• Successful completion of a job-related assessment and certification to obtain lending authority is required upon completion of training.
• Knowledge of federal laws, rules, regulations, and applicable guidance to include: TILA/REG Z, REG B, UDAAP/UDAP, FCRA, BSA/AML, SCRA/MLA, OCC Heightened Standards.

Nice To Haves

• Experience in Consumer Lending and / or Underwriting.
• Experience supporting MSR’s using Click to Chat.

Responsibilities

• Apply established procedures and guidelines to validate credit, income, and other relevant information to underwrite lower risk credit card and consumer loans within a lower defined limit of authority and to ensure compliance with all regulatory requirements.
• Review member provided documents for accuracy and alignment with company and industry standards.
• Document loan decisions and required provisions to complete the loan and communicates the decision.
• Maintain developing knowledge of all aspects of Consumer Lending and Credit Card portfolio and underwriting guidelines.
• Ensure loan agreements are complete, accurate, and in compliance with policy.
• Complete loan decisions which most effectively mitigate credit risks for USAA.
• Ensure risks associated with business activities are effectively identified, measured, and controlled in accordance with risk and compliance policies and procedures.

Benefits

• At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level