Conusmer Loan Underwriter

Join Our Team at Forest Area Federal Credit Union!
Position: Consumer Loan Underwriter
Location: Administrative Building in Fife Lake MI
Employment Type: Full-Time

At Forest Area Federal Credit Union, we’re committed to empowering our members through responsible lending, financial education, and community-first service. As a member-focused credit union, we believe in building strong relationships while helping individuals and families reach their financial goals.

We’re currently seeking a Consumer Loan Underwriter who is detail-oriented, analytical, and passionate about making sound credit decisions that protect our members and our credit union.

As a Consumer Loan Underwriter, you’ll play a vital role in evaluating and decisioning consumer loan applications—including auto loans, personal loans, credit cards, and more. You will:

• Review loan applications for accuracy, completeness, and compliance with internal policies.

• Analyze financial documentation, credit reports, and income data to assess creditworthiness.

• Evaluate risk using credit scoring models and risk management tools.

• Ensure all decisions follow applicable laws and regulations (TILA, ECOA, FCRA, etc.).

• Communicate with applicants to request documentation or explain loan decisions.

• Collaborate with loan officers and management on complex or high-value cases.

• Maintain thorough documentation and support internal audit readiness.

• Stay up to date with industry changes, products, and compliance standards.

  
  

• Experience: 3–5 years in consumer lending or underwriting required.

• Education: High school diploma or GED required.

• Skills:

  • Proficiency in evaluating credit reports, financial statements, and loan applications

  • Knowledge of consumer loan products (auto, personal loans, credit cards, lines of credit)

  • Strong understanding of consumer lending regulations (TILA, ECOA, FCRA, RESPA)

  • Excellent communication, decision-making, and analytical abilities

  • Detail-oriented and organized, with solid time management skills

  • Comfortable using loan origination systems, credit analysis tools, and Microsoft Office

• Supportive and member-focused team culture

• Paid time off, holidays, and  benefits

• Opportunities for ongoing training and professional growth

• Commitment to work-life balance

• A chance to make a real difference in our members’ lives

If you're passionate about responsible lending and want to be part of a credit union that truly values its employees and community, we’d love to hear from you!

Apply today and help us grow stronger, one loan at a time.