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Consumer Underwriter Jobs (NOW HIRING)

CPCU/SFCU

Consumer Loan Underwriter

Norwich, CT · On-site

Consumer Loan Underwriter Department: Consumer Lending Reports To: VP, Lending FLSA Status: Non-Exempt Location: Bozrah 350 Salem Tpke- Onsite This is a full-time 37.50 hour work week. Monday-Friday ...

company1359

Consumer Loan Underwriter

Tulsa, OK · On-site

$23.30 - $25.92/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Description Energy One Federal Credit Union is seeking a detail-oriented and member-focused Consumer Loan Underwriter to join our lending team. In this role, you will evaluate consumer loan ...

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How much do consumer underwriter jobs pay per hour?

As of Aug 17, 2026, the average hourly pay for consumer 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 does a consumer underwriter do?

A Consumer Underwriter reviews and evaluates loan applications from individuals seeking credit, such as personal loans, auto loans, or credit cards. Their main role is to assess an applicant’s financial situation, credit history, and ability to repay the loan, ensuring that the lender’s risk is minimized. They analyze documents like credit reports, income statements, and employment records. Consumer Underwriters also follow specific guidelines and policies to make fair lending decisions. Their work is crucial in helping financial institutions manage risk while supporting responsible borrowing.

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

To thrive as a Consumer Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of credit risk assessment, typically supported by a degree in finance, business, or a related field. Familiarity with underwriting software, credit scoring systems, and financial analysis tools is essential. Excellent communication, sound judgment, and decision-making abilities set standout professionals apart in this role. These skills are crucial for accurately evaluating loan applications, mitigating risk, and ensuring compliance with lending policies.

What are some common challenges faced by consumer underwriters and how can they be addressed?

Consumer Underwriters often face challenges such as balancing risk assessment with customer service, keeping up with changing regulations, and managing high volumes of applications. To address these, strong analytical skills, attention to detail, and continuous professional development are essential. Collaborating closely with loan officers and credit analysts helps ensure accurate decisions, while ongoing training helps maintain compliance and up-to-date knowledge of industry standards.

What is the difference between Consumer Underwriter vs Mortgage Underwriter?

AspectConsumer UnderwriterMortgage Underwriter
CredentialsTypically requires a bachelor's degree in finance, business, or related field; certifications like CU (Certified Underwriter) are commonSimilar credentials; often holds a bachelor's degree and certifications such as CU or mortgage-specific licenses
Work EnvironmentWorks in banks, credit unions, or financial institutions assessing consumer loan applicationsWorks in mortgage companies, banks, or lenders evaluating home loan applications
Industry UsageUsed across consumer lending sectors including personal loans, auto loans, credit cardsPrimarily used in real estate and home loan sectors

Both Consumer Underwriters and Mortgage Underwriters evaluate loan applications, but Consumer Underwriters focus on personal and auto loans, while Mortgage Underwriters specialize in home loans. They share similar credentials and work environments but serve different lending markets.

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Cities with the most Consumer Underwriter job openings:

What states have the most Consumer Underwriter jobs?

States with the most job openings for Consumer Underwriter jobs include:

What are popular job titles related to Consumer Underwriter jobs?

For Consumer Underwriter jobs, the most frequently searched job titles are:

Consumer Underwriter jobs near you
Infographic showing various Consumer Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 79% Full Time, 18% Part Time, and 2% Contract. Highlights an 91% Physical, 2% Hybrid, and 7% Remote job distribution, with an average salary of $50,109 per year, or $24.1 per hour.

AVP Consumer Underwriting and Funding

Paychex

Sugar Land, TX

Full-time

Re-posted 2 days ago

Paychex rating

7.3

Company rating: 7.3 out of 10

Based on 176 frontline employees who took The Breakroom Quiz

234th of 492 rated business services

Job description

AVP Consumer Underwriting & Funding

Location: Sugar Land Branch, Houston, TX 77479
Employment Type: Full Time – Onsite Only
Work Hours: Monday - Friday: 8:00am - 5:00 pm


Role:

Responsible for managing the day-to-day functions of the credit union’s consumer underwriting and funding departments. Accountable for handling administrative duties of the departments and supporting all the underwriters and funders. Acts as an executive level underwriter. Provides support to the Vice President of Consumer Lending and the Chief Lending Officer as requested.

Essential Functions & Responsibilities:

  • Manage the underwriters, funders, employees scheduling, timecards, escalation of issues and day to day functions while monitoring the credit granting and updating processes for efficiency, accuracy, and regulatory compliance.
  • As an executive underwriter, maintain availability to personally review and decide the member credit requests above standard or senior underwriter capabilities within the reasonably prescribed time frame.
  • Maintain the underwriting and funding department’s organizational structure by properly overseeing, directing, motivating, and coaching the staff in each area. Measure the underwriting and funding departments’ performance with appropriate metrics to ensure prescribed goals and objectives are met or exceeded, as well as oversee the ongoing training and competencies of the staff in each area. Support the teams by filling in where needed to complete daily tasks in a timely manner, while avoiding servicing loans that were underwritten by the AVP, themselves. Maintain accurate statistical records of department activity and relevant information.
  • Function as the management liaison between the underwriting and funding teams, and the branch employees, as well as senior management for day-to-day issues.
  • Maintain system solutions for business issues related to underwriting and funding to enhance service delivery. Responsible for all regulatory compliance within the loan services.
  • Performs other job-related duties as assigned.

Performance Measurements:

      1. Exceptions made and documented

2. Delinquency ratios

3. Charge off ratios

4. Application decision turnaround times

Knowledge and Skills:

Experience:

Five years to eight years of similar or related experience. Must have consumer underwriting and people management experience.

Education:

(1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).

Interpersonal Skills:

Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others are key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Must have qualities that are consistent with our CORE Values:

    • Integrity, Honesty, & Respect
    • Passion, Commitment & Enthusiasm
    • Seek Excellence in All We Do
    • Work Hard and Have Fun
    • Friendly Service and Superior Value

What Paychex employees say

Pay

Benefits

Hours and flexibility

Workplace

Get the full story on Breakroom

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About Paychex

Sourced by ZipRecruiter

Consult with America's businesses, leveraging Paychex key referral channels and partnerships to educate stakeholders on our services, and provide consultative solutions to increase market share and drive revenue.

Industry

Human resources consulting services

Company size

10,000+ Employees

Headquarters location

Rochester, NY, US

Year founded

1971

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