Key Responsibilities

Review and underwrite consumer loan and credit card applications using credit reports, income documentation, and other relevant financial data
Assess borrower creditworthiness, ability to repay, and overall risk exposure
Make approval, counteroffer, or decline decisions within assigned authority levels
Ensure underwriting decisions comply with internal credit policy, regulatory requirements, and fair lending standards
Analyze credit bureau data, income verification, debt-to-income ratios, and other risk indicators
Document underwriting decisions clearly and accurately in underwriting systems
Communicate with internal partners to resolve application issues or obtain additional documentation
Identify potential fraud or misrepresentation and escalate concerns as needed
Meet productivity, quality, and turnaround time expectations
Participate in audits, quality reviews, and ongoing training to stay current on policy changes and regulations

Required Qualifications

2+ years of experience underwriting consumer credit products (personal loans, credit cards, or unsecured consumer lending)
Strong knowledge of consumer credit principles, credit scoring, and risk assessment
Experience reviewing credit reports (e.g., FICO), income, and debt calculations
Familiarity with consumer lending regulations (e.g., Fair Lending, ECOA, FCRA, UDAAP)
Strong analytical and decision-making skills
High attention to detail with the ability to manage multiple applications simultaneously
Proficiency with underwriting systems and standard office software

Preferred Qualifications

Work at office,