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Consumer Underwriter Jobs (NOW HIRING)

Service First FCU

$55 - $75/hr

Credit Card & Consumer Loan Underwriter Full Time Clerical Sioux Falls, SD, US Join us at Service First FCU to help us empower our members through financial services and promote our people helping ...

Home Bank

Senior Consumer Loan Underwriter

Lafayette, LA · On-site

$70 - $90/hr

Senior Consumer Loan Underwriter Active - Regular full-time Hourly Kaliste Saloom.Annex, Lafayette, LA, US 2 days ago Requisition ID: 2734 PURPOSE OF THE JOB The purpose of this position is to review ...

S and T Bank

Consumer Loan Processor

Indiana, PA · On-site

$17.25 - $21.75/hr

Working with Consumer Lending Underwriters and Retail Bankers on rectifying differences between the required reports and the loan approval conditions to ensure all are equal (i.e., judgments, tax ...

S&T Bancorp

Consumer Loan Processor

Indiana, PA · On-site

$17.25 - $21.75/hr

Working with Consumer Lending Underwriters and Retail Bankers on rectifying differences between the required reports and the loan approval conditions to ensure all are equal (i.e., judgments, tax ...

S and T Bank

Consumer Loan Processor

Indiana, PA · On-site

$17.25 - $21.75/hr

Working with Consumer Lending Underwriters and Retail Bankers on rectifying differences between the required reports and the loan approval conditions to ensure all are equal (i.e., judgments, tax ...

Stbancorp

Consumer Loan Processor

Stafford, TX · On-site

$16.50 - $20.50/hr

Working with Consumer Lending Underwriters and Retail Bankers on rectifying differences between the required reports and the loan approval conditions to ensure all are equal (i.e., judgments, tax ...

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Consumer Underwriter information

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How much do consumer underwriter jobs pay per hour?

As of Sep 6, 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.

Do consumer underwriters make a lot of money?

Consumer underwriters typically earn a median annual salary ranging from $50,000 to $70,000, depending on experience, location, and employer. Advanced skills, certifications, and working in larger financial institutions can lead to higher compensation.

Is it hard to get a job in consumer underwriting?

Consumer underwriting jobs can be competitive, but having relevant skills such as financial analysis, attention to detail, and knowledge of credit reporting can improve chances. Entry-level positions may require a bachelor's degree and some industry certifications, and experience with underwriting software is often beneficial.
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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% Internship, 80% Full Time, 16% Part Time, and 3% Contract. Highlights an 87% Physical, 3% Hybrid, and 10% Remote job distribution, with an average salary of $50,109 per year, or $24.1 per hour.

Consumer Loan Assistant Manager Underwriting

SESLOC Federal Credit Union Inc.

San Luis Obispo, CA • On-site

$90 - $120/hr

Other

Medical, Retirement, PTO

Re-posted 17 hours ago

Job description

Consumer Loan Assistant Manager/Underwriting

At SESLOC, the people make the place. Rooted in academics and locally headquartered for over 80 years, we believe great member experiences start with engaged employees. We foster a collaborative, supportive culture where employees are empowered to grow, contribute, and make a meaningful impact on our members and communities. We are seeking an experienced lending professional to help lead our Consumer Loan Underwriting team while supporting responsible loan growth, operational excellence, and exceptional member service.

What You'll Do
  • Provide day-to-day leadership and support for the Consumer Loan Underwriting team.
  • Review complex loan applications and provide guidance on credit decisions, risk assessment, and policy interpretation.
  • Coach, develop, and support team members to ensure high-quality, consistent, and compliant lending decisions.
  • Monitor workflow, service levels, productivity, and underwriting quality while driving continuous improvement efforts.
  • Partner with leaders and business units across the organization to support compliance, risk management, and an exceptional member experience.
  • Assist with consumer loan underwriting and credit decisioning as needed to support workflow demands, service levels, and member needs.
  • Support HELOC origination activities as a registered Mortgage Loan Originator (MLO).
Key Qualifications
  • Three or more years of consumer loan underwriting experience with strong credit analysis and lending decision-making skills.
  • Experience underwriting consumer loan products, including direct lending, indirect lending, and HELOCs.
  • Previous leadership, lead, supervisory, mentoring, or coaching experience preferred.
  • Strong knowledge of consumer lending regulations, underwriting practices, risk assessment, and portfolio quality standards.
  • Ability to balance leadership responsibilities while maintaining hands-on involvement in underwriting activities.
  • Excellent communication, relationship-building, problem-solving, and decision-making skills.
  • Credit union or financial institution experience preferred.
Why Join Us?

At SESLOC, you'll join a collaborative team that values integrity, accountability, service excellence, and continuous improvement. This role offers the opportunity to influence lending quality, operational performance, employee development, and the member experience while serving as both a leader and subject matter expert. You'll work alongside talented professionals who are committed to helping one another succeed and serving our members and communities. We offer competitive pay, comprehensive health and wellness benefits, retirement savings opportunities, paid time off, and ongoing professional development support.

EOE

All job offers extended to final candidates at SESLOC Credit union are conditional pending the successful completion and acceptable results of background checks and signing an Arbitration Agreement as a condition of employment. Background checks include a bond check, a credit check, a criminal history check, reference checks. Signing an Arbitration Agreement is a condition of employment.

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