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Consumer Underwriter Jobs (NOW HIRING)

Texas Dow Employees Credit Union

Consumer Loan Underwriter Reporting Manager Title: Consumer Loan Underwriting Supervisor FLSA Status: Non-Exempt Working Arrangement: Hybrid General Date Created: 03/2023 Date Revised: Created By:

OnPath Credit Union

Consumer Loan Underwriter

Metairie, LA · On-site +1

$22.80 - $28.50/hr

OnPath is looking for a Consumer Loan Underwriter to join our team. The salary range for this position is $22.80 to $28.50 per hour based on skills and experience. This position is classified as ...

PenFed Credit Union

PR · Hybrid

Overview PenFed is hiring a (Hybrid) Senior Consumer Lending Underwriter at our San Patricio Office Center located in Guaynabo, Puerto Rico. The primary purpose of this job is to review and ...

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Consumer Underwriter information

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$17

$24

$35

How much do consumer underwriter jobs pay per hour?

As of Jul 7, 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 are the key skills and qualifications needed to thrive as a Consumer Underwriter, and why are they important?

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 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.

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 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.
More about Consumer Underwriter jobs
What cities are hiring for Consumer Underwriter jobs? 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 July 2026, with employment types broken down into 84% Full Time, 15% Part Time, and 1% 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.
Sr. Consumer Underwriter - Westchase District

Sr. Consumer Underwriter - Westchase District

Smart Financial

Houston, TX • On-site

$94K - $111K/yr

Full-time

Posted 2 days ago

Job description

The Sr. Consumer Underwriter will provide quality underwriting through timely and thorough evaluation of Consumer loans to make sound decisions in accordance with regulatory guidelines and Credit Union policies. Reviews complex loan situations and disputed loan applications. Guides lower-level underwriters through difficult loan situations and can combine authorities to approve high dollar collateralized or unsecure loans. Will also be an expert at reviewing income documents and prevent fraudulent applications from entering the Consumer portfolio.

  • Review incoming Consumer loan applications to evaluate factors including debt-to-income ratio, analyzing credit reports, calculation of income, and loan-to-value ratios in making prudent loan decisions. Make timely decisions on credit applications within established guidelines and underwriting authority, while ensuring all State and Federal regulations are adhered to. Must underwrite and apply required conditions to current program/product specifications with analysis of 5 C’s of credit.
  • Provide guidance to Relationship Specialists in developing solutions and structuring on challenging loans. Provide concurrence to consumer underwriters for additional level of approval authority. Assist front-line staff with structuring any complex loan situations.
  • Review and verify income documentation as required to ensure it matches the amount listed within application and meets Credit Union guidelines. Must be proficient in analyzing complex financial and documents to protect the credit union from fraud.
  • Responsible for validating all data contained in the loan origination system. Will be required to review disputed consumer loan applications from branch and sales staff.
  • Manage e-Oscar direct and indirect consumer credit disputes in a timely manner. Required to provide an in-depth investigation through core systems and historical data to validate disputed credit information. Must adhere to all CFPB guidelines.
  • Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
  • Other duties as assigned.

Requirements

EXPERIENCE

Three to five years of similar or related experience, including preparatory experience.

EDUCATION/CERTIFICATIONS/LICENSES

A high school degree or equivalent

INTERPERSONAL SKILLS

A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.

OTHER SKILLS

Understanding and evaluating personal credit reports. Familiar with different types of collateral. Calculating financial ratios for underwriting analysis. Working knowledge of Microsoft Outlook, Word, and Excel. Experience in using Velocity and Fiserv DNA/Core System. Ability to communicate effectively in written and verbal formats.

ADA REQUIREMENTS:

Physical Requirements

Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Benefits

Smart Financial Credit Union offers a competitive salary and excellent top-tier benefits. In addition, Smart Financial Credit Union has a tuition reimbursement program; full-time employees can receive up to $4,000 per year in tuition reimbursement.

Smart Financial Credit Union was ranked as Houston's Best Places to Work! Five consecutive years in a row!
Source: Houston Business Journal, 2011, 2012, 2013, 2014, and 2015.

Smart Financial Credit Union was ranked USA Top Workplaces (National Award)!
Source: Houston Chronicle - 2021


Smart Financial Credit Union was ranked Top Workplaces (Regional Award)! Five consecutive years in a row!
Source: Houston Chronicle - 2016, 2017, 2019, 2020, 2021, 2022, 2023 and 2024


Smart Financial Credit Union was also ranked as Best Companies to Work for in Texas! Four consecutive years in a row!
Source: Texas Association of Business (TAB) and Texas Monthly Magazine – 2014, 2015, 2016, and 2017

*** Applicants must submit a resume in order to be considered for the position.

Smart Financial does not discriminate on the basis of race, sex, color, religion, age, national origin, marital status, disability, veteran status, genetic information, sexual orientation, gender identity or any other reason prohibited by law in provision of employment opportunities and benefits.

Smart Financial Credit Union (SFCU) commits to fostering a diverse, equitable, and inclusive workforce and member base where a sense of belonging is evident. Our core values and purpose compel us to invest in our culture, with the objective that all who interact within and with the credit union can be appreciated for their unique individuality and thrive in the environment, with respect for each other and our greater community.

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