Sidney Federal Credit Union
Join Sidney Federal Credit Union as a Consumer Loan Underwriter. This role evaluates the overall creditworthiness of applicants and makes sound lending decisions in alignment with the credit union's policies, regulatory requirements, and risk tolerance.
Responsibilities
Process and underwrite consumer loans (personal, auto, credit card, and other secured loans) in accordance with Credit Union policy and through various channels, such as email, internet, phone, indirect or in‑branch requests.
Collaborate effectively with branch personnel, Indirect Dealer Partners, Loan Funders, and Servicers to ensure loan applications are fully completed, include the necessary supporting documentation, and the loan closes as scheduled.
Analyze loan applicants' financial status and credit to determine feasibility of granting loan.
Approve consumer loans within authorized limits and communicate decisions to branch personnel and/or indirect dealer; recommend approval or denial for those in excess of authorized limits.
Collaborate across all lending and member‑facing departments to foster a cohesive, high‑performing team environment.
Work together with all areas of lending and member services to ensure an efficient, effective, team‑based division.
Perform other job‑related duties as assigned.
Knowledge & Skills
Two to four years of Consumer Lending underwriting, or related financial services experience is preferred; an equivalent combination of education and experience is acceptable.
Must have working knowledge of consumer lending regulations, fair lending practices, the Fair Credit Reporting Act, and general industry guidelines.
Experience with indirect lending, credit analysis, or loan decisioning systems is a plus.
Education A high school education or GED is required. A bachelor's degree in business, finance or related areas is preferred but not required. Relevant lending or underwriting experience may be considered in lieu of a degree.
Strong decision making and risk assessment skills.
Effective written and verbal communication skills.
Strong attention to accuracy and detail.
Proficiency in analyzing credit bureau reports.
Working knowledge of Consumer Lending regulations including Truth in Lending Act, Equal Credit Opportunity Act, and Fair Credit Reporting Act compliance.
Valid National Mortgage Licensing System (NMLS) Registration.
Compensation & Location Hourly rate: $23.80–$26.78 per hour. Reporting location: onsite at 42 Union Street, Sidney, NY.
Equal Opportunity Employer Equal Opportunity Employer/Veteran/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin or protected veteran status and will not be discriminated against on the basis of disability.
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Responsibilities
Process and underwrite consumer loans (personal, auto, credit card, and other secured loans) in accordance with Credit Union policy and through various channels, such as email, internet, phone, indirect or in‑branch requests.
Collaborate effectively with branch personnel, Indirect Dealer Partners, Loan Funders, and Servicers to ensure loan applications are fully completed, include the necessary supporting documentation, and the loan closes as scheduled.
Analyze loan applicants' financial status and credit to determine feasibility of granting loan.
Approve consumer loans within authorized limits and communicate decisions to branch personnel and/or indirect dealer; recommend approval or denial for those in excess of authorized limits.
Collaborate across all lending and member‑facing departments to foster a cohesive, high‑performing team environment.
Work together with all areas of lending and member services to ensure an efficient, effective, team‑based division.
Perform other job‑related duties as assigned.
Knowledge & Skills
Two to four years of Consumer Lending underwriting, or related financial services experience is preferred; an equivalent combination of education and experience is acceptable.
Must have working knowledge of consumer lending regulations, fair lending practices, the Fair Credit Reporting Act, and general industry guidelines.
Experience with indirect lending, credit analysis, or loan decisioning systems is a plus.
Education A high school education or GED is required. A bachelor's degree in business, finance or related areas is preferred but not required. Relevant lending or underwriting experience may be considered in lieu of a degree.
Strong decision making and risk assessment skills.
Effective written and verbal communication skills.
Strong attention to accuracy and detail.
Proficiency in analyzing credit bureau reports.
Working knowledge of Consumer Lending regulations including Truth in Lending Act, Equal Credit Opportunity Act, and Fair Credit Reporting Act compliance.
Valid National Mortgage Licensing System (NMLS) Registration.
Compensation & Location Hourly rate: $23.80–$26.78 per hour. Reporting location: onsite at 42 Union Street, Sidney, NY.
Equal Opportunity Employer Equal Opportunity Employer/Veteran/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin or protected veteran status and will not be discriminated against on the basis of disability.
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