Sr. Consumer Underwriter

FiStaff

Houston, TX

JOB DETAILS
SKILLS
Banking Services, Communication Skills, Consumer Loans, Credit Analysis, Credit Risk, Credit Union, DNA, Data Quality, Diversity, Documentation, Financial Analysis, Financial Ratio, Financial Services, Home Equity Line of Credit (HELOC), Home Equity Loans, Loan Origination, Loan Review, Loan Structuring, Loans, Microsoft Excel, Microsoft Outlook, Microsoft Word, Mortgage Lending, Presentation/Verbal Skills, Underwriting, Writing Skills
LOCATION
Houston, TX
POSTED
20 days ago

Take the Next Step in Your Career With Us!
Ready to bring your underwriting expertise to a role where your judgment, accuracy, and financial insight truly matter? We’re hiring a Sr. Consumer Underwriter to evaluate consumer loans, HELOCs, and home equity applications while helping guide smart lending decisions. This is a great opportunity for an experienced underwriter who enjoys complex loan review, fraud prevention, and supporting lending teams with confidence.

Sr. Consumer Underwriter
Houston, TX | Full-time | Financial Services / Consumer Lending

Why Work With Us:
• Use your expertise in consumer lending, HELOC underwriting, and home equity loan review in a meaningful role
• Collaborate with experienced lending, mortgage, and closing teams in a professional environment
• Grow your career as a trusted subject matter expert on complex loan applications and credit decisions

What You'll Do:
• Review incoming consumer loan, home equity, and HELOC applications for creditworthiness
• Analyze debt-to-income ratios, credit reports, income documentation, loan-to-value ratios, and collateral details
• Make timely underwriting decisions within established lending guidelines and authority levels
• Review complex or disputed loan applications and assist with structuring challenging loan scenarios
• Guide lower-level underwriters and provide additional approval concurrence when needed
• Verify income documentation and identify potential fraud risks before loans enter the portfolio
• Review title commitments, appraisals, AVMs, and required mortgage loan documentation
• Validate loan data in Encompass, Loan Director, and related loan origination systems
• Manage direct and indirect consumer credit disputes through e-Oscar while following CFPB guidelines

What We’re Looking For:
• 5 years of consumer underwriting, lending, credit union, banking, or related financial services experience
• High school diploma or equivalent required
• Strong knowledge of personal credit reports, collateral types, and underwriting analysis
• Ability to calculate financial ratios and evaluate complex financial documentation
• Experience with Microsoft Outlook, Word, and Excel
• Familiarity with Velocity and Fiserv DNA/Core System preferred
• Strong written and verbal communication skills
• High level of professionalism, confidentiality, trust, and diplomacy
• Ability to advise, educate, and support team members on sensitive lending matters

Ready to Land Your Next Great Role?
Apply now for this Sr. Consumer Underwriter opportunity and let our recruiting team help you take the next step in your career!

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Note: We are an equal opportunity employer and value diversity in our workforce. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

About the Company

F

FiStaff

Connecting financial professionals with great companies.
FiStaff’s Philosophy is to provide a personalized approach to meet the needs of our clients and candidates. We achieve this by constantly establishing new relationships while also focusing on the many relationships we have developed throughout the years. We strive to understand the needs and environment of the client and the skills and employment goals of our candidates to find the best match for both.

Our Vision
To become the leading talent provider for banks, credit unions and mortgage companies in the state of Texas by continually matching top quality talent with great companies.

Our Mission
Attract and select the best talent to foster successful relationships with our clients and candidates by adhering to our client-centric philosophy.

Our Core Values
Integrity—our clients and employees want to do business with a company they can trust Respect—we will treat everyone with the utmost respect Excellence—we believe in doing ordinary things extraordinarily well

Our History
FiStaff, Inc. was founded in 1992 and has been assisting Texas’ most respected financial services companies with custom staffing solutions. Headquartered in Houston, we support the needs of our clients throughout the Dallas/Fort Worth Metroplex and across the state. Texas Owned and Texas Proud!

COMPANY SIZE
20 to 49 employees
INDUSTRY
Staffing/Employment Agencies
FOUNDED
1992
WEBSITE
http://www.fistaff.com/