Consumer Loan Underwriter

OUR LEADERSHIP PHILOSOPHY

At Lighthouse Credit Union, We Believe All Individuals, Regardless Of Position Level, Are Considered Leaders. By Providing a Framework That Balances Clarity With Adaptability, Our Leadership Competencies Aim To Foster a Culture Of Continuous Growth And Agile Leadership. Lighthouse Credit Union Is Committed To Embracing Change, Nurturing Leadership Talent, And Ensuring Our Performance Management Practices Are Aligned With Our Vision Of Fostering a Resilient And Forward-thinking Organization.

As Such, We All Hold Ourselves Accountable To The Following

• Demonstrates Interpersonal Awareness & Skills – This competency emphasizes effective communication, relationship building and teamwork. It also supports creating a positive work environment that values individual contributions and fosters teamwork. As an individual leader, you will demonstrate active listening, clear communication and contribute beneficially to team dynamics.
• Embraces Change & Learning – This competency focuses on adaptability, personal development and the advocacy and embracing of progressive change. You will be challenged to explore continuous learning opportunities to achieve excellence and foster a culture of growth and innovation. As an individual leader, you will actively engage in personal development, embrace change enthusiastically and support team members in their growth.
  
  You will also demonstrate flexibility and adaptability in response to changing circumstances.
• Utilizes Critical & Creative Thinking – Underlining the importance of innovative problem solving, challenging the status quo and strategic thinking, this competency is vital for driving excellence and leadership. This competency challenges team members to take initiative beyond one’s immediate responsibilities. As an individual leader, you will actively look for and share opportunities for improvement, show open-mindedness to new ideas and professionally challenge inefficient processes.
  
  You will also actively contribute to defining solutions and promoting innovation.
• Takes Personal Ownership – This competency focuses on taking responsibility for performance goals, proactive collaboration and accountability. It highlights the significance of each team member taking ownership of their role and contributions while demonstrating leadership qualities regardless of their position. As an individual leader, you will be actively engaged in setting and achieving performance goals, take responsibility for personal action and decisions and seek opportunities for self-improvement and skill development.

The Consumer Loan Underwriter is responsible for rendering credit decisions on all Indirect and Direct loan applications. This role requires ongoing communication with auto dealerships and branch personnel to provide clear guidance regarding loan decisions and structure. The Underwriter is expected to adhere to all lending policies, procedures, and guidelines established by Senior Management and must develop a thorough understanding of the Loan Funding process to support the Funding Team as needed.

• Evaluates and renders decisions on indirect loan applications daily, providing coaching and guidance to loan officers and partnering with underwriting staff to ensure well-structured, credit-worthy loan submissions.
• Reviews and approves Direct loan applications, delivering ongoing coaching to branch and call center teams and serving as an accessible resource for loan discussions and decision rationale.
• Communicates loan decisions and strategies with dealership personnel, engaging in discussions on business needs, potential loan volume opportunities, and maintaining strong dealer relationships through effective negotiation skills.
• Calculates and verifies all sources of borrower income, including complex tax returns for self-employed applicants and all associated schedules, ensuring accuracy and compliance with lending requirements.
• Analyzes debt-to-income ratios and overall loan structure to confirm alignment with credit union policies, risk tolerances, and regulatory guidelines.
• Prepares…