Indirect Lending Underwriter

Phoenix, AZ

Full Time

Experienced

Arizona Central Credit Union Ranked Top 10 Credit Unions in AZ for 2024

"Ranking Arizona: Top 10 credit unions for 2024" AZBIGMEDIA

Arizona Central Credit Union offers a comprehensive benefits package, including medical, dental, vision, 401k with up to 6% match, an employee assistance program, and much more.

Role:
This position will work closely with leadership to make credit decisions based on credit union lending policy and cultivate a strong lending pipeline. The ability to build and maintain strong dealer relationships is critical for success.

Summary of Responsibilities:

Responsible for reviewing, analyzing, and underwriting indirect loan applications including retail and third-party referrals.
Expert underwriter: review credit applications, credit reports, calculate applicable ratios (i.e. Debt ratios, loan-to-value), evaluate borrower circumstances and determine loan decision based on policies and guidelines.
Analyze current financial position of members to determine the degree of risk involved in extending credit within policy or make a recommendation to credit committee.
Gather required information & documentation from dealer, member, or 3rd party partner and prepare loan for booking (Funding) by entering required data in systems.
Foster a positive, productive environment towards building relationships with dealers and other third parties, in person and on the phone.
Participate in quality control of loan files, verify accuracy of documentation, and assist funding with collecting pending conditional items as needed.
Underwrite and be onsite as needed for special dealer events, including weekend events or holidays on occasion.
Make decision to approve, counteroffer, or deny loan requests that are outside of credit union lending guidelines but within policy.
Authorizes release of collateral on existing loans, changes in loan terms, waivers of payments, due date change, etc.
Audit, review, or prepare reports as delegated by leadership.

Hours:

Monday - Friday 9:00am - 5:30pm, some weekends and holidays
Rotating Saturdays
Remote work is available after 90 days (Hybrid).
Frequent travel to auto dealerships to build and maintain relationships is required

Experience:

Five to eight years of underwriting experience (indirect lending preferred).
One to two years of building and maintaining strong dealer relationships.

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At Arizona Central Credit Union, employee satisfaction and retention are the foundation of our commitment.

Indirect Lending Underwriter

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