Consumer Loan Underwriter

In 1954, the Chattanooga DuPont Plant was one of southeast Tennessee’s largest employers, hiring people from all over the tri-state region. Some of these people saw the need for a different kind of financial institution – one that could meet the financial needs of all its employees, including those with more limited means. Recognizing that credit unions embraced the philosophy of “people helping people,” the wheels were set in motion.

On February 26, 1954, the Chattanooga DuPont Nylon Employees Credit Union was organized and chartered.

Since then, many changes have shaped Scenic Community Credit Union into the strong financial institution it is today. Mergers and expansions have allowed us to serve a larger group of people better than ever before. But our philosophy is the same as that of the original founders: we strive to advance financial peace of mind within our community.

At Scenic Community Credit Union, we know you're more than just a number. We know the important numbers that matter most; the ones that tell your story! From starting your financial journey, to planning for your first home and reaching your family's financial goals. We're here to celebrate your story not just your balance. From milestones to memories, we're here to celebrate every moment that counts.

When you join SCCU, you're not just a member, you are part of a community that values every number and every story.

This position exists to serve the members of Scenic Community Credit Union and work to achieve the established goals of this Credit Union. The position exists within the Lending Department and is an integral part of the daily operations and success of the Department and Credit Union.

The Consumer Loan Underwriter is responsible for evaluating, approving, and declining consumer loan applications originated through branch locations and dealership partners. This role ensures all lending decisions align with company policies, risk tolerance, and applicable federal and state consumer lending regulations. The Underwriter works closely with branch staff, dealership representatives, and internal departments to facilitate sound credit decisions while supporting business growth and member/customer service excellence.

• Underwrite consumer loan applications originated through branch locations and dealership partners, exercising discretion and independent judgment within established underwriting guidelines and assigned lending authority.
• Analyze credit reports, income documentation, debt-to-income ratios, collateral values, and other relevant financial information to assess credit risk and determine appropriate loan decisions.
• Approve, conditionally approve, or deny loan applications in accordance with credit union loan policies and procedures.
• Retain thorough knowledge of loan policies, procedures, interest rates, and consumer loan products and services, including those offered through third-party partnerships.
• Communicate loan decisions clearly and professionally to branch staff, dealership personnel, members, and internal departments.
• Ensure compliance with all applicable federal and state consumer lending regulations, including but not limited to:
  • Truth in Lending Act (TILA)
  • Equal Credit Opportunity Act (ECOA)
  • Fair Credit Reporting Act (FCRA)
  • Fair Lending regulations
  • State-specific lending laws and regulations
• Review and verify loan documentation for completeness and accuracy prior to funding; maintain accurate loan documentation and records in accordance with regulatory requirements and internal audit standards.
• Monitor indirect lending activities and loan portfolio quality to ensure adherence to established policies and identify trends related to credit risk.
• Serve as liaison between the credit union, dealership partners, and internal departments to resolve loan issues and ensure responsive, effective outcomes.
• Assist dealership personnel with loan status updates, research requests, and problem resolution; maintain strong business relationships through consistent communication and site visits as directed.
• Provide guidance and support to branch and dealership staff regarding underwriting…