Senior Lending Services Underwriter

USFull-TimeSenior
Salary not disclosed
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Job Details

Experience
5+ years

Requirements

  • 5+ years of experience in consumer lending underwriting or credit decisioning.
  • Strong expertise in evaluating complex financial profiles, including layered credit and income structures.
  • Experience underwriting HELOCs and high-risk lending scenarios strongly preferred.
  • Proficiency with loan origination systems such as MeridianLink or similar platforms.
  • Deep understanding of underwriting principles, risk assessment, and credit policy application.
  • Strong knowledge of regulatory frameworks including fair lending, ECOA, and related credit regulations.
  • Ability to serve as a subject matter expert and mentor to junior team members.
  • Excellent analytical, communication, and documentation skills.
  • Strong judgment, attention to detail, and ability to manage multiple priorities.
  • Collaborative mindset for working across operations and leadership teams.

Responsibilities

  • Underwrite and decision consumer lending products including credit cards, personal lines of credit, auto loans, and HELOCs, including high-risk cases.
  • Review applications through automated, referral-based, and fully manual underwriting workflows with a focus on complex HELOC evaluations.
  • Analyze layered credit profiles, income variability, and collateral risk to determine appropriate lending structures.
  • Serve as an escalation point for junior underwriters, providing guidance on policy interpretation and complex credit decisions.
  • Ensure all decisions are documented, consistent, and aligned with internal credit policies and regulatory requirements.
  • Participate in quality control efforts to identify risk trends and improve underwriting standards.
  • Collaborate with operations and leadership to align credit decisions with business objectives.
  • Support training, system testing, and workflow design initiatives.
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