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Consumer Lending Underwriter Jobs (NOW HIRING)

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 ...

Marmon

Consumer Lending Supervisor

Westlake, OH · On-site

The Consumer Lending Supervisor is responsible for overseeing loan processing and manual underwriting operations to ensure efficient workflow, timely decision-making, and adherence to service level ...

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How much do consumer lending underwriter jobs pay per hour?

As of Aug 20, 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 Indirect Underwriter

Bethpage Federal Credit Union

Bethpage, NY • Remote

$31.93 - $38.32/hr

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 19 days ago

Job description

It Starts With Our Employees

FourLeaf's ultimate goal is to provide the best-in-class member and employee experience, and it all begins with two things: hiring incredible people and giving them a great place to work.

What You’ll Do

The Consumer Lending Indirect Underwriter is responsible for evaluating consumer loan applications to determine the creditworthiness of applicants applying for financing through indirect channels or third-party vendors. This role involves analyzing financial information, credit reports, and other relevant data to make informed lending decisions, ensuring compliance with company policies, regulations, and risk management practices. 

Hours: Monday - Friday 9:00am to 6:00 pm with one Saturday (8:00 am - 3 pm) monthly. Employee will receive one day off during the week when scheduled for a Saturday.

This opportunity is open to flexible work options including a hybrid or remote set up

Core Contributions

  • Analyze Loan Applications: Evaluate credit reports, application information, and financial documents to determine applicants’ ability to repay, ensuring all loan decisions comply with company policies and guidelines.
  • Collaborate with Teams: Work closely with the underwriting team, sales teams, and senior management to ensure a smooth and efficient loan process.
  • Loan Recommendations: Provide recommendations for loan approval or denial to the Loan Review Committee or Underwriting Manager when applicable.
  • Dealer Relationships: Maintain and handle dealer relationships, ensuring effective communication and loan accuracy.
  • Fraud Detection: Identify potential fraud or misrepresentation in loan applications.
  • Communication: Communicate effectively with dealers or other third-party vendors to clarify underwriting requirements and ensure loan accuracy.
  • Decision Making: Make loan decisions, answer phones, and respond to queries within established dealer service levels.

Assets You Will Bring

  • High School Diploma or GED.
  • Minimum of 2 years in Consumer Underwriting, Consumer Lending, or a related field; experience collaborating with dealers is preferable.
  • Strong understanding of underwriting guidelines, credit risk assessment, and lending regulations.
  • Strong organizational skills to manage a high volume of loan applications.

  • Computer Skills: Proficient in Excel, Outlook, and Word; experience with LOS navigation (ARC system) and DNA.

  • Certifications: Lending Certified

The estimated salary for this role is $31.93 - $38.32 per hour. (FourLeaf Federal Credit Union offers a comprehensive benefits package, including medical, dental, and vision coverage; life and disability insurance; voluntary benefit programs; a 401(k) plan with employer match; reimbursement and wellness programs; and an annual performance-based bonus.) In addition to the salary or hourly rate listed above there may be other compensation & benefits available.

#LI-Remote

What Sets Us Apart?

In addition to our comprehensive benefits, we invest in employee connection and well-being through:

  • Competitive 401(k)
  • Tuition and fitness reimbursement programs
  • Flexible work options
  • Volunteer opportunities
  • Executive “Water Cooler Chats”
  • Clubs, sports, and social events
  • Food truck days

….and more!

Who is FourLeaf?

FourLeaf Federal Credit Union (FourLeaf) has been committed to the financial well-being of our members for over 80 years. Through our full range of competitive savings and loan products, you can trust us in every step of your financial journey. From applying for a credit card to closing on your mortgage to opening your child’s first savings account, FourLeaf is here to help you reach your financial goals.

We are proud to be an award-winning place to work! Some of our recent recognitions include Certified Great Place to Work 2024-2025, America’s Greatest Midsize Workplaces 2025, Quantum Workplace Employee Voice Award 2024, and Fortune’s Best Workplaces in Financial Services & Insurance 2024. 

As a credit union, our vision is to enrich the lives of our members, employees, and communities. Since 2002, we have been an integral community partner through our charitable giving and community development programs in New York and beyond.

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