ZipRecruiter

Log In

1

Consumer Underwriter Jobs (NOW HIRING)

Mobility Credit Union

Consumer Loan Underwriter

Irving, TX · On-site

$28.50 - $33.50/hr

POSITION PURPOSE Responsible for reviewing, and underwriting applications for consumer direct & indirect, home improvement, home equity, credit card and line of credit loans. Ensures internal ...

Dollar Bank

Consumer Lending Underwriter

Pittsburgh, PA · On-site

Use Dollar Bank's underwriting guidelines, review and make decisions on all types of consumer credit. Review tax returns on self-employed customers to verify income. Review and analyze all necessary ...

TAMMAC HOLDINGS CORPORATION

Underwriter

Wayne, PA · On-site

$35/hr

Have a minimum of 2 - 4 years consumer underwriting experience * Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flag, * Basic knowledge of appraisal and ...

TAMMAC HOLDINGS CORP

Underwriter (1290)

Wayne, PA · On-site

$35/hr

Have a minimum of 2 - 4 years consumer underwriting experience * Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flag, * Basic knowledge of appraisal and ...

next page

Showing results 1-20

All JobsConsumer Underwriter Jobs

Consumer Underwriter information

See salary details

$17

$24

$35

How much do consumer underwriter jobs pay per hour?

As of Jul 14, 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.

Consumer Lending Underwriter I

First Baptist Church of Alamance

Cincinnati, OH

$23.56 - $28.37/hr

Full-time

Posted 28 days ago

Job description

We do the right things, right now.  We do them in a way that is relevant to our clients.  Become a part of our history as it continues to be written! 
If you are interested and qualified for this role, we invite you to apply.

Essential Functions/Responsibilities

  • Responsible for analyzing application information for Retail Lending. This position will have direct responsibility to underwrite secured and unsecured Retail Lending products (Home Equity lines of credit, Home Equity term loans, Unsecured Loans, and Direct Installment Loans) across multiple states. This position will support process improvement and business objectives. Provide superior customer service while also "Partnering and Performing" to both internal and external customers (Retail Banking Center Managers, Vendors, other internal departments, etc...) Support process improvement and contribute to achieving business objectives. Accept additional projects as identified.
  • This position will have the minimum in consumer lending authority:
  • Secured- $100,000
  • Unsecured/Credit Cards- $7,500
  • Analyze consumer credit reports of Retail Lending applications to evaluate risk and make appropriate credit decision for Retail Lending across multiple states, Markets, and geographic regions.
  • Review documents to support credit decision (verification of income, tax returns, personal financial statement, trusts and additional supporting documentation, etc...)
  • Reviews documents to underwrite within the stated Retail Lending Guidelines and applicable regulations (flood determination, property appraisals, property reports/title searches, and documents, etc...)
  • Verifies completeness and accuracy of credit applications.
  • Formulates and communicates credit decision to Retail Banking Centers for all Consumer Loan applications (either approve, decline, or counteroffer) in compliance with established underwriting guidelines, compliance, and regulatory requirements.
  • Develop business relationships and build rapport with Retail Banking Centers and other internal departments to achieve mutual goals.
  • Manage application pipeline to meet business objectives for Service Level Agreements in place.
  • Provide superior service to both internal and external customers.
  • Review credit applications and recommends decisions on applications over their assigned authority to Supervisor/Manager.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

  • 2-3 yrs
  • Equivalent business experience required
  • Minimum of 2 years consumer lending, banking, or financial services experience
  • Ability to interact with all levels of management and external customers
  • Strong attention to detail and level of follow up
  • Strong interpersonal, written, and verbal communication skills
  • Ability to manage multiple tasks and work independently in a team environment
  • Proficient with Microsoft Office programs such as Word and Excel

Preferred Knowledge and Skills

Level of Complexity and Scope

Degree of Independence and Decision-Making

Required Supervisory Responsibilities

Physical Requirements

  • Occasionally lifts and carries up to 50 lbs.
  • Frequently lifts and carries up to 10 lbs.
  • Occasionally stands and walks.
  • Frequently sits.

Compliance Statement

The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Development and Training

Pay Range

$23.56- $28.37/hour

Benefits

We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide.

Incentive Eligibility

All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.

Apply