Consumer and Mortgage Loan Underwriter

Ready to Make Smart Lending Decisions That Impact Lives? Join First Commerce as a Consumer & Mortgage Loan Underwriter!

If you're passionate about analyzing financial data, making sound decisions, and helping members achieve their financial goals - this role is for you. At First Commerce Credit Union, we're committed to being our members' financial partner for life, and our underwriters play a critical role in making that vision a reality.

As a Consumer & Mortgage Loan Underwriter, you'll evaluate loan requests, apply sound lending principles, and make key decisions that support both our members' needs and the credit union's success. You'll also serve as a trusted resource for internal teams, helping guide lending practices and support strong credit outcomes

What You'll be Doing

You'll review and underwrite consumer, home equity, and other loan products - making decisions on approvals, overrides, exceptions, and rate concessions within your authority. Using your expertise, you'll assess risk and structure loans appropriately - considering compensating factors, additional collateral, loan terms, or other conditions to ensure responsible lending practices. You'll collaborate with leadership to provide feedback on lending guidelines, policies, and product offerings, while also tracking trends and supporting departmental metrics related to loan quality and performance.

In addition, you'll act as a consultative partner - helping members understand their financial options, improve their credit profiles, and identify opportunities for additional products or services. You'll also support internal development by coaching lending staff, conducting training, and ensuring consistent, high-quality decisioning across the organization.

What You Bring to the Table

• Bachelor's degree in finance, business, or a related field (or equivalent experience/certification)
• 3-5 years of experience in loan underwriting and credit approvals
• Strong analytical and decision-making skills with the ability to evaluate complex loan scenarios
• In-depth knowledge of consumer lending, credit analysis, and loan structuring
• Excellent communication and negotiation skills with a member-focused mindset
• A commitment to compliance, quality control, and fair lending practices
• Ability to manage competing priorities and maintain accuracy in a fast-paced environment
• Proficiency with Microsoft Office and lending systems

Why First Commerce?

We're a full-service, member-owned credit union with deep roots in the community and a bold vision for the future. Our culture is built on integrity, innovation, and service excellence. At First Commerce, you're not just joining a company - you're joining a cause.

What's in It for You?

We believe in taking care of our team just like we take care of our members. Here's what you can expect:

• Competitive compensation aligned with performance
• Health, dental, and vision insurance to keep you and your family covered
• 401(k) with company match to help you build your future
• Generous PTO and paid holidays so you can recharge and enjoy life
• Employee assistance programs for life's unexpected moments
• Ongoing professional development to keep you sharp
• Clear advancement opportunities within a growing organization
• A supportive team environment where your voice matters

Ready to Make an Impact?

Apply today and help us deliver smart lending solutions that empower our members and strengthen our communities.

First Commerce Credit Union - Where Service Meets Purpose.