Consumer Loan Underwriter

BECU

Tukwila, WA

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JOB DETAILS

JOB TYPE

Full-time, Employee

SKILLS

Analysis Skills, Asset Management, Business Transformation, Communication Skills, Consumer Loans, Credit Analysis, Credit Processing, Credit Union, Customer Support/Service, English Language, Federal Government, Federal Laws and Regulations, Identify Issues, Income Tax, Information/Data Security (InfoSec), Loan Policy, Loan Processing, Loan Review, Loan Underwriting, Loans, Mathematics, Mentoring, Mortgage Lending, Needs Assessment, Operational Strategy, Operations Management, Philosophy, Presentation/Verbal Skills, Problem Solving Skills, Process Improvement, Quality Management, Regulatory Compliance, State Laws and Regulations, Tax Returns, Team Player, Time Management, Tuition Reimbursement, Underwriting, Willing to Travel, Writing Skills

LOCATION

Tukwila, WA

POSTED

30+ days ago

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits?

Our "people helping people" philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.

While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU.

PAY RANGE

The Target Pay Range for this position is $31.92-$38.85 hourly. The full Pay Range is $24.76-$46.06 hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

BENEFITS - because people helping peoplestarts with supporting you

401(k) Company Match (up to 3%)

4% annual contribution to your 401(k) by BECU

Medical, Dental and Vision (family contributions as well)

PTO Program + Exchange Program

Tuition Reimbursement Program

BECU Cares volunteer time off + donation match

IMPACT YOU'LL MAKE:
As a Consumer Loan Underwriter at BECU, you'll be a trusted guide in helping members move forward with clarity and confidence. You'll use your lending expertise to evaluate, analyze, and underwrite loan applications-ensuring members receive fair, timely, and thoughtful decisions. Your work will directly influence our members' financial wellbeing and strengthen their trust in BECU.

Through every interaction, you'll bring insight, consistency, and care to the underwriting process, shaping positive outcomes for both members and our lending portfolio.

Note: This role is hybrid and will require travel to the Tukwila, WA office on a quarterly to monthly basis or more.

WHAT YOU'LL DO:

Uphold Regulatory & Compliance Standards:
Perform all responsibilities in alignment with BECU Competencies, compliance requirements, regulatory guidelines, and information protection standards to ensure secure and high-quality loan practices.

Apply Lending Policy Expertise:
Use your deep knowledge of Credit Union loan policies, real estate lending practices, state and federal regulations, and agency requirements to accurately underwrite consumer loans.

Make Confident Credit Decisions:
Evaluate, approve, counteroffer, or deny loans and credit lines within established lending limits and automated scoring guidelines-always centering the member's best interest.

Ensure Timely Loan Processing:
Provide fast, thorough attention to loan applications, clearly communicating denials, counteroffers, and underwriting criteria while offering alternative product options when appropriate.

Collaborate with Indirect Lending Partners:
Partner with dealerships in the Indirect Lending Channel to purchase loan packages within service levels, and quickly assist with any dealer concerns through courteous, solution-focused communication.

Support Members Through Detailed Loan Reviews:
Analyze member needs, discuss restructuring opportunities, and help complete loan applications when necessary to ensure a smooth experience.

Analyze Financial Documentation:
Review and interpret tax returns and cash flow insights to ensure accurate credit evaluations.

Provide Decision Recommendations:
Offer informed recommendations to team members and escalate decisions to management when loan parameters exceed your lending authority.

Maintain Portfolio Quality:
Meet and uphold lending portfolio quality standards through consistent, sound underwriting practices.

Serve as a Resolution Resource:
Address and resolve member and dealer questions or issues that fall within your lending authority.

Educate Members on Credit:
Maintain thorough knowledge of credit bureau processes and help members understand how credit impacts their financial options.

Stay Current on Consumer Loan Products:
Maintain a strong understanding of BECU's loan products, decision matrices, scoring systems, and loan decision pathways.

Enhance Workflows & Processes:
Monitor underwriting workflows and recommend process improvements to support service-level efficiency and operational enhancements.

Contribute to Team Productivity:
Actively assist with service-level monitoring, productivity tracking, and departmental improvements.

Flexibly Support Team Needs:
Perform additional duties as assigned to ensure smooth, effective departmental operations.

This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU'LL GAIN:
Talent Persona Snapshot: You are analytical, member-focused, confident in your judgment, and passionate about helping people make informed financial decisions. You thrive in a collaborative environment, enjoy solving complex lending scenarios, and appreciate structure paired with the opportunity to continuously grow your expertise.

What will attract you to this role:
The chance to directly influence members' financial outcomes in meaningful ways
A culture that values your underwriting expertise, curiosity, and decision-making abilities
A mission-driven environment that puts people, not profit, first
A collaborative team where knowledge sharing, mentorship, and partnership are encouraged
Opportunities to deepen your underwriting experience across a broad range of products
Access to strong technology, tools, and resources to support accurate and efficient loan evaluations
A stable organization with growth potential, professional development opportunities, and a clear commitment to employee success
Work that allows you to refine your analytical skills, credit knowledge, and financial interpretation abilities

QUALIFICATIONS:

Minimum Qualifications:
Bachelor's degree in business required or equivalent work or education-related experience.
Typically three years of consumer lending related experience required.
Minimum one year of experience analyzing and verifying income on tax returns.
Ability to make sound credit recommendations and decisions required.
Mathematical skills, with a high degree of accuracy required.
Verbal and written skills to effectively communicate in the English language required.
Ability to effectively problem solve and trouble shoot difficult member situations required.
Full time hours, with additional hours as necessary required.

Desired Qualifications:
One year of consumer lending underwriting experience to include all secured, unsecured, indirect, and home equity products and appraisal underwriting preferred.
Ability to handle inbound and outbound calls with external partners.

JOIN THE JOURNEY
Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don't just fill a role, but fuel the growth and success of BECU?

This is more than a job - it's a chance to elevate your career, your skills, and your future, all while contributing to the robust technological landscape of BECU.

Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU.
Your journey of influence, innovation, and impactful contribution starts now.

#BECU #YourGrowth #BECUJourney

EEO Statement:

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

About the Company

BECU

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