Direct Lending Jr. Underwriter – Fort Worth Job Listing at EECU in Fort Worth, TX (Job ID 2303)

Description

EECU is looking for a Direct Lending Jr. Underwriter that will be responsible for making thorough loan decisions in a fast-paced environment. 

Key Responsibilities for the Jr. Underwriter.

Central Lending plays a key role in the credit union's loan decision process by supporting the review and analysis of consumer loan applications across retail branches and online delivery channels. 

Job responsibilities:

• Evaluate consumer loan products including vehicle loans, personal loans, and credit card requests (excluding real estate).

• Leverage AI-supported underwriting tools to assess creditworthiness, risk, and compliance with lending policies and regulations.

• Work within the Loan Origination System (LOS) – MeridianLink – and the core system platform – Symitar – to process, review, and document loan decisions.

• Review and analyze credit reports, income verification, collateral valuation, loan documentation, and overall risk exposure.

• Recommend or approve loans within assigned authority; escalate to senior underwriters as needed.

• Communicate loan decisions, conditions, and required documentation clearly with frontline staff.

• Collaborate with branch employees and digital teams to ensure timely, efficient member service.

• Stay current through ongoing training on AI underwriting tools, lending policy updates, and compliance requirements.

• Provide guidance to members by offering alternative credit solutions when disputes or declined decisions arise.

• Assist membership-base with disputes by providing optional credit avenues if loan decision grants alternations.

Additional skillsets best suited for this position:

•   1-2 years' experience in consumer lending, loan processing, or financial services.

•   Proficient knowledge of Microsoft Office applications.

•    Excellent oral and written communications skills.

•    Ability to work in a fast paced, team-oriented environment.

•    Must be knowledgeable of credit union products and services.

•    Decision making expertise

•    Interpersonal skills, effective communication and written skills, along with strong time-management skills

•    Strong analytical, critical thinking, and attention to detail.

•    Dependable and punctual.

•    High school degree or equivalent is required with a college degree or business-related education preferred.

•     Must be available: Monday- Friday hours 7am-7pm, Saturdays 8:30am-2:15pm. Weekly rotating shifts. 

•    EECU will, in compliance with applicable laws, evaluate an applicant's credit history. Only applicants with good credit history will be considered for open positions.

Responsible for compliance of all Federal and State rules and regulations pertaining but not limited to Bank Secrecy Act, Anti-Money Laundering, Bank Bribery Act, NCUA Privacy Regulations, Reg B, Reg Z, Service Members Civil Relief, and FCRA/FACTA. Required to attend initial and ongoing annual Bank Secrecy Act training.  EECU will, in compliance with applicable laws, evaluate an applicant's credit history. Only applicants with good credit history will be considered for open positions.

For more than 90 years, Fort Worth-based EECU community credit union has been committed to providing members A Better Way of Banking®. Today, EECU is one of the largest credit unions in Texas with over $4 billion in assets and serves over 297,000 members through 21 financial centers across North Texas. In the true spirit of the credit union philosophy “people helping people” EECU was recently honored with the Fort Worth Business Press Corporate Philanthropy Award for employee volunteerism, named Best Bank/Credit Union by the Fort Worth Star Telegram's readers, and became the 1st credit union in Fort Worth to become Blue Zones certified for promoting employee well-being.   

EECU is an EOE/Vets/Disabled Employer. 

We are an Equal Opportunity Employer and do not discriminate against applicants due to veterans' status or on the basis of disability. 

For more information on our organization and benefits please visit EECU Careers at www.eecu.org/careers.