Senior Loan Underwriter

First Commerce Credit Union • Tallahassee, FL

2d

About The Position

At First Commerce Credit Union, we're more than a financial institution - we're a community catalyst, empowering lives and transforming neighborhoods. We're currently seeking a detail-driven, strategic Senior Loan Underwriter to help us fulfill our Vision: Empowering Generations, Transforming Communities. If you're passionate about lending, compliance, and helping members achieve financial success through sound credit decisions, this is your opportunity to make a lasting impact. As a Senior Loan Underwriter, you'll be a key decision-maker in our lending operations - ensuring quality, compliance, and member-focused solutions across consumer, home equity, and first mortgage loans.

Requirements

• Bachelor's degree in finance, business, or related field (or equivalent experience).
• 5+ years of experience in loan underwriting and credit approvals.
• Deep knowledge of loan products, credit reporting, and fair lending practices.
• Strong analytical, mathematical, and decision-making skills.
• Excellent communication and interpersonal judgment.
• Ability to work flexible hours, including evenings and weekends as needed.
• Intermediate proficiency in Microsoft Office Suite.
• Commitment to delivering consistently courteous, positive member service.

Responsibilities

• Underwrite consumer, home equity, and select first mortgage loans.
• Make decisions on loan overrides, exceptions to policy, and rate concessions.
• Structure layered credit risk through collateral, co-makers, terms, and down payments.
• Recommend non-conforming first mortgages for portfolio inclusion and rate setting.
• Analyze and report departmental metrics including overrides, quality control, and portfolio trends.
• Collaborate with leadership to develop budgets and recommend product, rate, and policy changes.
• Provide consultative support to members to improve credit profiles and offer flexible solutions.
• Conduct periodic credit reviews and manage credit limit adjustments.
• Review and process employee loan requests.
• Serve as a mentor and coach to junior underwriting staff and front-line lending teams.
• Deliver training to enhance credit-related skills across the organization.

Benefits

• Health, dental, and vision insurance
• 401(k) with company match
• Generous PTO and paid holidays
• Employee assistance programs
• Ongoing training and professional development
• Clear career advancement opportunities
• $500 referral bonus

What This Job Offers

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