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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270
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Open Locations

No full-time openings for this position are available at this time! View all open positions.

Job Description

Within authorized authority, and in accordance with sound underwriting practices as set out in policy and procedure, examines, evaluates, and authorizes or recommends approval or denial of borrower's applications for credit or increase of lines of credit, or credit card accounts in a timely manner.  The underwriters deal with a high volume of loans daily from various delivery channels.

Duties & Responsibilities

Other duties may be assigned.

  • Analyzes applicant financial status, credit and collateral to determine feasibility of granting loans. Submits employee loans, loans exceeding approval limit, marginal loans, etc. to Lending Manager for decision.
  • Analyzes potential lending opportunities involved in each lending situation to further assist the borrower as well as increase the credit union's lending portfolio.
  • Communicates well with all Loan Officers and branch sales staff to help them understand decisions.
  • Makes sound decision in a timely manner.
  • Meets set performance requirements including approval ratios and loan quality ratios within each individual underwriter’s loan portfolio.
  • Documents loan decision and required provisions necessary to complete the loan.
  • Follows all policies and procedures regulated by the credit union as well as governmental policies, procedures and regulations.
  • Performs such other functions that might be needed from time to time and assists others to complete tasks and work assignments.


  • High school diploma or equivalent (GED); and, minimum of two years lending experience in a bank, credit union, finance company or savings and loan (specifically underwriting experience)
  • Ability to read and interpret documents such as credit bureau reports, tax returns, and income statements.
  • Ability to define problems, collect data, establish facts and draw valid conclusions
  • Ability to speak effectively and explain decisions to Loan Officers and other sales staff.
  • Ability to calculate figures and amounts such as interest, percentages and compute rates and ratios
  • Ability to solve problems and deal with a variety of concrete variables in situations where only limited standardization exists
  • Must be able to use the credit union's computer system for input/output transactions. Such usage includes, but is not limited to, retrieval of information, printing out individual statements of account, inputting data, updating information, special access to certain fields, and general maintenance of the credit union financial and ancillary records.

Want to be a part of the team?

We hope so! Apply online today.

Neighborhood Credit Union is an Equal Opportunity Employer.