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Consumer Lending Underwriter Jobs (NOW HIRING)

Vibe Credit Union

Consumer Lending Manager

Waterford, MI · On-site

$90 - $140/hr

Consumer Lending Manager: As the Consumer Lending Manager, you will lead and oversee Vibe Credit ... Lead, coach, and develop the underwriting, loan processing, and home equity teams. * Foster a ...

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Broadview FCU

Consumer Lending Specialist

Albany, NY · On-site

The Consumer Lending Specialist underwrites, and processes consumer loan applications submitted by members through all channels. Ensures outstanding member experience, high quality loan decisions ...

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How much do consumer lending underwriter jobs pay per hour?

As of Aug 19, 2026, the average hourly pay for consumer lending underwriter in the United States is $24.09, according to ZipRecruiter salary data. Most workers in this role earn between $20.43 and $26.92 per hour, depending on experience, location, and employer.

What is a consumer lending underwriter?

A Consumer Lending Underwriter is responsible for evaluating loan applications to determine a borrower's creditworthiness and repayment ability. They analyze financial documents, credit reports, and risk factors to ensure compliance with lending guidelines and company policies. Their role is essential in minimizing risk while approving loans that align with the institution's requirements. Strong analytical skills, attention to detail, and knowledge of lending regulations are crucial for success in this role.

What are the key skills and qualifications needed to thrive as a consumer lending underwriter?

To thrive as a Consumer Lending Underwriter, you need strong analytical skills, knowledge of credit and risk assessment, and a relevant degree in finance or business. Familiarity with loan origination systems (LOS), credit bureau software, and sometimes certifications like Certified Mortgage Underwriter (CMU) are valuable. Excellent attention to detail, effective communication, and sound judgment are standout soft skills for this position. These competencies are vital for accurately assessing loan applications, minimizing risk, and ensuring a positive customer experience.

What are the typical challenges consumer lending underwriters face in their daily work?

Consumer Lending Underwriters often face the challenge of balancing company risk policies with the need to provide timely and fair lending decisions for clients. They must carefully analyze diverse and sometimes incomplete financial information, stay current on changing regulations, and work efficiently to meet tight deadlines. Collaboration with loan officers, credit analysts, and compliance teams is common, requiring strong communication and problem-solving skills. Adapting quickly to policy changes and managing multiple files simultaneously are also key demands in this role.

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Consumer Lending Underwriter jobs near you
Infographic showing various Consumer Lending Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 79% Full Time, 19% Part Time, and 1% Contract. Highlights an 88% Physical, 3% Hybrid, and 9% Remote job distribution, with an average salary of $50,109 per year, or $24.1 per hour.

Consumer Lending Underwriter

Patelco Credit Union

Dublin, CA • On-site

$28.24 - $33.21/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 9 days ago

Job description

About Patelco Credit Union
Patelco Credit Union is a not-for-profit credit union with a purpose to build financial health and wellbeing for our members. Since 1936, Patelco has grown from $500 in assets to over $9 billion in assets and is the 7th largest credit union in California with branches throughout Northern California.
We are here for our members throughout all their stages of life. Meeting them with the products and services to help them plan purposefully for their futures and to secure our life-long partnership as their trusted financial advocate. As one team, we are all committed to delivering service, empowering financial literacy, creating products, and providing new technology for our members.
We believe that work should be rewarding, challenging, and enjoyable. We're dedicated to creating a positive and supportive culture where our team members can thrive. If you're looking to use your skills and knowledge to make a difference in our members' lives, Patelco could be the perfect fit for you.
Overview
The Consumer Underwriter I is responsible for quality and sound decision making. The Consumer Underwriter I effectively execute the underwriting processes, reviews complex consumer loan applications for all consumer loan types including Indirect Lending. Will perform work using considerable independence, judgment, and discretion in making credit decisions for members seeking loans.
We are seeking proactive, results driven employee at Patelco Credit Union and fully committed to the Credit Union's mission and vision. They strive to achieve the highest standards of excellence and consistently exceed the expectations of member, team, and community experiences.
Responsibilities
  • Ensure effective decision-making on loan denials, counteroffers, approvals, cash flow analysis, credit underwriting criteria and the assessment of PCU loan product alternatives in reaching and making quality loan decisions
  • Demonstrates Results Orientation in the review of applications, credit histories and assessing the financial outlook of applicants to ensure accuracy of information and to make sound lending decisions within authority levels to determine approval, contingent approval, counter offer or denial.
  • Monitor your Quality Control findings to you are within PCU's error tolerance
  • Execute pipeline and service level commitments for retail and digital channels
  • Utilizes professional and friendly communication in providing phone support for incoming lending calls, and when discussing loan options and procedures for set-up with members
  • Demonstrates personal accountability in maintaining high service levels to auto dealers participating in the indirect lending program
  • Identifies and works to eliminate root causes of lending issues or concerns when supporting and assisting branches and other departments
  • Displays a sense of urgency by efficiently informing staff and members of loan requirements and matters affecting approval; and when reviewing and rendering a decision on loan applications assigned to Underwriting Queue
  • Takes initiative in seeking guidance and approval on policy exceptions
  • Exhibits personal accountability by accurately documenting loan application decisions within the loan origination system with appropriate comments to ensure that loan processors are able to easily move forward with all loan bookings
  • Demonstrates Results Orientation by consistently delivering an excellent internal and external member experience by displaying patience and tact in dealing with co-workers and members
  • Committed to self-improvement by maintaining proficiency in understanding consumer lending regulatory requirements (Regulation Z, Regulation B, Fair Credit Reporting Act)
  • Demonstrates creative solutions and process improvements in identifying cross-selling opportunities and appropriately approves members for those products
  • Displays a sense of urgency when obtaining information to process loan applications, i.e., verification of income and credit reports
  • Assist in reviewing Loan Addendums to ensure post-funding changes are accurate
  • Performs other duties as assigned

Qualifications
  • Minimum of 2 years of experience in consumer underwriting and/or Consumer Lending, financial analysis, or lending background preferably in a high-volume lending center
  • Experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas

Physical Activities/Requirements
  • Must be able to sit for extended periods of time

Target Base Pay
$28.24 - $33.21/ hr
Compensation at Patelco
Please note that the salary information is a general guideline only. Patelco Credit Union considers factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience, education/training, key skills, internal peer equity, as well as market and business considerations when extending an offer. We offer a competitive total rewards package including a Short-Term Incentive (STI) program for all regular positions and a wide range of medical, dental, vision, financial, and other benefits.
We Offer
Physical Health:
  • Exceptional Medical, Dental, Vision, and Life Insurance benefits
  • Rewards for completing wellness related activities

Financial Health:
  • Competitive compensation packages with bonus opportunity
  • 401(k) with 3% Safe Harbor and 5% employer match
  • Discounts on loan products
  • Tuition reimbursement

Emotional Health:
  • Employee Assistance Program (EAP)
  • PTO for part-time and full-time positions
  • Paid holidays

Personal Development:
  • On-the-job training and skills development
  • Internal transfer opportunities for career growth
  • Volunteer work

Patelco Credit Union is an Equal Opportunity Employer including individuals with disabilities and protected veterans
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