Description

 We are seeking a Senior Credit Underwriter for the Consumer Lending Department.

The Senior Credit Underwriter analyzes consumer loan applications and makes sound, timely credit decisions within established lending policies and authority. This role supports the Portfolio Manager in overseeing daily underwriting operations, monitoring workflow, and helping achieve credit quality, portfolio performance, and profitability goals. As a subject matter expert, the Senior Credit Underwriter provides guidance and training to underwriting staff, partners closely with internal business channels, and ensures lending decisions are communicated clearly and effectively while maintaining compliance with applicable regulations.

If you have strong underwriting and credit analysis skills, you should apply right away!

Highlights:

• Make impactful lending decisions that drive portfolio quality, profitability, and growth.
• Serve as a trusted underwriting expert, guiding credit decisions and exception management.
• Coach and develop underwriters through training, onboarding, and ongoing mentorship.
• Partner with business channels and frontline teams to deliver outstanding service and results.
• Help shape underwriting operations, workflow efficiency, and future product initiatives.
• Work closely with leadership to support departmental performance, planning, and continuous improvement.

Experience:

    Required

• 5 years of progressively increasing lending experience

Education:

    Required

• High School diploma or equivalent experience

    Preferred

• Degree preferred

Licenses & Certifications:  

    Preferred

• Credit Counseling

Skills & Knowledge:

    Required

•  Extensive knowledge of credit and collateral underwriting standards
• Knowledge of federal lending regulations and underwriting rules
• Strong analytical and decision-making skills
• Ability to communicate credit decisions effectively to clients and internal stakeholders
• Ability to use sound judgment in complex underwriting situations
• Strong verbal and written communication skills
• Strong organizational skills
• Proficiency in Microsoft Office programs

Schedule: Monday-Friday, 8:30 am-5:30 pm

Level of Work: 2C

Credit Human provides employees with many benefits from insurance coverage to college tuition reimbursement.

To get to know Credit Human and learn more about our benefits, visit our careers page at www.credithuman.com/careers.

Credit Human conducts employment background checks that may be used for decisions related to employment with Credit Human. Standard background checks performed on final candidates include NCUA Administrative and Prohibited Orders, ChexSystems, past employment verification, criminal history checks on convictions, and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

Requirements