Senior Loan Underwriter (Consumer Lending)

Ready to Lead Lending Decisions? Join First Commerce Credit Union as a Senior Loan Underwriter!

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.

What You'll Be Doing

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 and home equity products.

• Underwrite direct and indirect consumer auto, home equity products, and select unsecured products.

• Make decisions on loan overrides, exceptions to policy, and rate concessions.

• Structure layered credit risk through collateral, co-makers, terms, and down payments.

• 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.

What You Bring to the Table

You're a seasoned lending professional with a sharp eye for detail and a heart for service.

• 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.

Why First Commerce?

We're a full-service, member-owned credit union with deep roots in the community and a bold vision for the future. Our culture is built on integrity, innovation, and service excellence. At First Commerce, you're not just joining a company - you're joining a cause.

What's in It for You?

• Competitive pay that reflects your experience and impact

• 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

• A supportive, energetic team environment

• $500 referral bonus when you help us find our next great hire!

Ready to Shape the Future of Lending?

Apply today and help us build stronger communities - one loan at a time.

First Commerce Credit Union - Where Service Meets Purpose.