Consumer Loan Underwriter

DFCU Financial
life insurance, vision insurance, paid time off, paid holidays, long term disability, tuition reimbursement, 401(k)
United States, Michigan, Dearborn
400 Town Center Drive (Show on map)
Jan 22, 2025
Join the DFCU Financial team today, and discover the benefits, rewards and development opportunities from one of the largest and best managed credit unions in the country. The Opportunity: We are seeking a full time Consumer Loan Underwriter to join our team. This role will perform all duties related to the underwriting of consumer loans, including Home Equity. Underwrite loan applications to render decisions and communicate required information to appropriate individuals. Serve as a resource for members and branch personnel on underwriting and compliance questions. Coordinate loan closings and stipulate required documentation. What You'll Do: Utilize systems in place to underwrite files in a timely manner. Meet expected service levels related to decision and condition clearing. Update information on automated underwriting system. Provide superior customer service on all consumer loan products. Identify and pursue cross servicing opportunities, while communicating with members. Respond to consumer lending phone inquiries. Coordinate loan closings. Maintain knowledge of DFCU policies and procedures. Maintain knowledge of Consumer Compliance Regulations. Maintain pending loan files. Assist management as required. Work varied day shifts on a rotating basis; Saturday hours may be required. What You'll Need: High school diploma or equivalent. Five years consumer loan underwriting experience. Demonstrated ability for high attention to detail. Ability to make immediate decisions. Computer literate. Demonstrated financial institution product and service knowledge. Consistent positive, cooperative, self-motivated, courteous and professional attitude. Ability to verbally communicate appropriately with others, and appropriately respond to a supervisor. Demonstrated interpersonal skills, including effective verbal and written communication. Demonstrated ability to act maturely in high-volume pressure situations. What We Offer: Potential for a hybrid work schedule 401k plan match, dollar for dollar up to 4% 401k additional employer contribution after one year at 5% Employee bonus program Medical, dental and vision insurance effective date of hire Health savings account (HSA) Flexible spending accounts for medical and dependent care expenses Adoption assistance for qualified expenses maximum $10,000 per child Wellness initiatives and reimbursements Pre-paid legal services plan Identity protection plan Accident supplemental plan Short & long term disability plans paid for by company Company provided basic life insurance of $50,000 plus supplemental for employee, spouse and child Pet Insurance Free financial planning assistance Numerous fun employee events throughout the year Volunteer and community engagement opportunities Employee loan discounts (closed-end loans) Discounts with local and national companies through DFCU Perks Service / anniversary awards Employee discounts for company logo wear Employee referral payouts for recruiting your friends and family Paid lunch time Tuition reimbursement / Education assistance Ongoing training opportunities Leadership development program Paid time off Paid holidays (13 per year) Flexible scheduling for students Equal Opportunity Employer / Disabled / Veterans