Want to work in an awesome environment with even better benefits? WFCU is the place for you! Come join a team of talented individuals who believe in a great member experience and a company who believes in a great employee experience. We offer competitive wages, health, dental, and vision insurance, 401K, gym membership discounts, and much more for those who qualify! 

Job Description

Consumer Underwriter 

Category of Employment

Full-time; Non- Exempt. Grade 9

Position Purpose

Responsible for evaluating and rendering an approval or denial decision for credit applications for consumer, indirect automobile, mortgage, and credit cards. Assesses collateral values and credit risk and prepares written credit-approval packages or denial correspondence. Evaluates credit processing and approval and ensures compliance with Credit Union lending policies, and Federal and State regulations. Operates with substantial credit authority.

Reporting Relationships

 This position reports to the Member Support Center Supervisor.

Essential Functions and Accountabilities

• Evaluates and verifies loan application data and credit worthiness. Computes debt ratios. Verifies employment and income as necessary. Determines value of collateral. Approves/denies or counters loans within limits of authority. Requests additional information, if required, from branch staff or auto dealers.
• Review documents to support credit decision such as application, sales contract, income verification, and other related documentation.
• Perform various functions including credit monitoring, audit preparation, and others as needed.
• Maintain credit quality and service standards as defined by management.
• Provide excellent customer service to both internal staff and external customers and business partners.
• Provide assistance in all aspects of the application/funding process including inquiries and processing.
• Ensure compliance with all applicable Federal and State regulations as well as internal policies and procedures.
• Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined.
• Develop business relationships and build rapport with internal staff and external business  partners through open and professional communication.
• Identify quality opportunities to cross-sell additional products and services when reviewing applications.
• Perform routine portfolio analysis on existing loans.
• Perform other functions as required by management
• Maintains a thorough working knowledge of credit union history and philosophy, as well as policies and procedures of the credit union.
• Assist other departments when necessary.
• Assure proper maintenance, cleanliness, and security of work area, desk, equipment, etc.
• Be knowledgeable about services offered to credit union members.
• Demonstrate willingness to achieve professional growth through on-the-job training and educational opportunities.
• Demonstrate willingness to participate in credit union related activities

Minimum Qualifications

• Two years of consumer loan underwriting and/or decision-making experience.

Desirable Qualifications

• Experience with direct and indirect lending
• Experience with direct and indirect underwriting
• Experience with mortgage lending and underwriting
• Excellent time management skills
• Excellent verbal and written communication skills
• Ability to follow up with others regarding information needed or provided
• Ability to work independently, self-starter, energetic
• Able to handle highly confidential information with discretion
• Detail oriented
• Able to adhere to tight deadlines
• Able to produce high-quality work in an efficient and timely manner
• Demonstrate flexibility and adaptability by being able to discern between conflicting priorities and reprioritize as business needs dictate
• Embraces change
• Remains calm in stressful situations

Desirable Traits

• Professional presence.
• Punctual, dependable and cooperative.
• Possess a positive demeanor and cooperative attitude in relations with members and employees.
• Communicates with warmth and compassion while keeping the needs of the business as the primary focus.

Physical and Mental Demands

Physical activities involve those normally associated with working in an office environment: walking, standing, talking and similar activities.

Vision and hearing requirements, including close vision, ability to distinguish basic colors and/or shades, depth perception ability to adjust focus, ability to hear telephone and/or in-person conversations, and other vision and hearing demands.

Ability to lift objects or exert force in pushing and pulling.

Mental demands, including such requirements as reading documents, analyzing and solving problems, interpreting data or information, using math or mathematical reasoning, learning and applying new information and skills, performing highly detailed work, meeting changing and/or intensive deadlines, constant interruptions, multiple concurrent tasks and interacting with members/coworkers.

This Job Description is not a complete statement of all duties and responsibilities comprising this position. Wichita Federal Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.