Sr. Indirect Consumer Underwriter

TDECU•Houston, TX

About The Position

Founded in 1955, TDECU formed when a group of Dow employees pitched in $5 each to loan a friend $35 to buy a refrigerator. That initial mission of people helping people continues today. Over the last 65 years, we have grown to meet the needs of the communities we serve and share TDECU's passion for service and great value in our products. Our first merger took us west to the Victoria area, where we made many new friends and Members. We have since become an integral part of the community. In the East Market, where we began, we opened our field of membership to serve all Brazoria County residents. Today, TDECU has 39 service locations, including 35 Member Centers. The original $35 loan has turned into over $4 billion in assets today that continue to improve our 348,000 Members' lives by helping them get what they need to achieve their financial needs and dreams. Transparency in Coverage Link This link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

Responsibilities

Evaluates, underwrites, and analyzes credit applications received through the Indirect and Direct Digital Channel.
Makes independent decisions on credit, income, assets and risk for indirect consumer and direct consumer credit applications.
Evaluates indirect and consumer loan applications and exercises lending authority, uses sound judgment in loan decisions that mitigate risk, adhere to credit policy and credit union standards.
Decision’s complex underwriting credit applications requiring senior knowledge and unique problem-solving abilities, to include increased lending limits and guideline exception authority.
Communicates the decision (approvals/denials/stipulations) of credit to the appropriate parties to include processing teams.
Identifies and make recommendations for process improvement and procedural improvement in relation to Indirect and Direct Digital underwriting.
Builds and maintains strong working relationships with internal departments to ensure collaboration and consistency.
Identifies cross-sell opportunities for loan products when reviewing funded indirect loan packets.
Works closely with the Processing Teams to ensure loan packets are processed and funded in accordance with desired quality and service level expectations to dealers and members.
Supports the overall success of lending departments at the credit union as a subject matter expert in consumer loan underwriting.
Supporting special projects, cross functional learning, interim assignments, training and mentoring new hires.