Underwriter

BrightStar Credit Union•Cooper City, FL

4h•$30 - $38

About The Position

The Consumer Credit Underwriter works in BrightStar Credit Union’s Consumer Lending Department, evaluating applicants’ creditworthiness and deciding whether to approve or deny consumer and small business loans, excluding real estate loans. The role determines appropriate collateral, pricing, limits, and terms based on exposure, within established guidelines, strategy, and delegated underwriting authority. The position supports the credit union’s risk tolerance and profitable portfolio growth while contributing to business growth through cross-selling and revenue generation. The Underwriter documents decisions and underwriting processes, applies relevant lending and compliance requirements, communicates with internal and external members to clarify requirements and obtain information, and collaborates with colleagues on complex transactions. The role may also support departmental projects, recommend procedural or policy improvements, contribute to marketing activities and team goals, and perform other duties as needed.

Requirements

Three to five years of similar or related experience.
Knowledge of underwriting vehicles, personal loans, recreational vehicles, credit cards, and small business lending.
One of the following: a two-year college degree; completion of a specialized certification or licensing; completion of specialized vendor training courses; or job-specific skills acquired through an apprenticeship program.
Interpersonal skills to resolve first-level conflicts, build relationships, solicit cooperation, and communicate with diplomacy and tact while handling confidential matters.
Comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, U.S.A. Patriot Act, O.F.A.C., Fair Lending, and Credit Card Act.

Nice To Haves

Knowledge of MeridianLink Systems.

Responsibilities

Evaluate loan submissions against company guidelines and standards, assessing risk and determining appropriate collateral, pricing, limits, and terms based on exposure.
Make decisions on consumer and small business loans, excluding real estate loans, within assigned underwriting authority and Board-approved parameters.
Recommend procedural and policy changes to improve productivity, workflow, and the quality of loan approvals.
Follow applicable underwriting guidelines, policies, procedures, and industry regulations.
Communicate with internal and external members to gather information and clarify underwriting requirements.
Use analytical tools within the system to evaluate exposure and escalate loans when necessary.
Collaborate with other underwriters and team members to analyze complex transactions, including small business loans.
Participate in departmental projects and perform other duties as needed.
Document underwriting processes and decisions, and ensure decisions adhere to company policy.
Participate in team meetings and marketing activities as needed, and recommend process efficiencies and highlight trends.
Contribute to departmental production and service-delivery goals through cross-selling and revenue generation.
Recommend loan exceptions as needed.
Complete required online B.S.A. and O.F.A.C. courses at least annually and uphold the credit union’s compliance policies and procedures.