Marshall Community Credit Union is looking for a Consumer Loan Underwriter to join our Loan Operations team. In this role, you’ll evaluate and decide on consumer loan applications, both direct and indirect, and serve as a go-to resource for our Member Experience Specialists and branch staff. Your decisions will help members get where they’re going while keeping our loan portfolio healthy.

This is a full-time, non-exempt, on-site position.

What you’ll do:

• Underwrite direct consumer loans, including auto, personal, credit card, mobile home, RV, and UCC-secured loans. You’ll approve, deny, or refer requests within your authorized limits and in line with MCCU lending policy.
• Underwrite indirect loan applications submitted by dealers, share decisions with dealer finance managers, and build working relationships that support our indirect lending program.
• Analyze credit history, debt-to-income ratios, collateral values, and supporting documentation to judge creditworthiness and find lending opportunities that fit members’ financial needs.
• Support Member Experience Specialists and branch staff with timely decisions and answers to underwriting questions, and help with loan packages and closings as needed.
• Prepare and review loan documents for accuracy and completeness, including title verification, insurance confirmation, adverse action notices, and required disclosures.
• Identify policy exceptions and refer them to the right authority, documenting your reasoning and following escalation procedures.
• Keep accurate records in our loan origination system, and flag gaps in procedures so we can keep improving.
• Watch for fraud, scams, and signs of elder financial abuse, and raise concerns through the proper channels.

You’ll do well here if you have sound credit judgment, a sharp eye for detail, and a service mindset toward the people you support. You know that a quick, clear answer to a branch can make a member’s day. When volume picks up, you can shift priorities without letting accuracy slip. You take ownership of a loan from application through funding, and you handle member financial information with discretion.

Current MCCU team members are encouraged to apply.

•  High school diploma or equivalent required; coursework or an associate’s degree in finance, business, or a related field preferred
• Three to five years of consumer lending or underwriting experience at a financial institution, including direct and indirect loan products required
• Working knowledge of credit analysis, collateral evaluation, and lending regulations, including Regulation Z and the Fair Credit Reporting Act
• Proficiency with Microsoft Office and loan origination software, and the ability to learn MCCU systems
• Clear, professional communication with staff, members, and dealer partners
• Ability to sit for long periods, work at a computer, and occasionally lift up to 25 pounds

Marshall Community Credit Union is an Equal Opportunity Employer. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic in accordance with applicable law.