Consumer Underwriter

Columbia Credit Union

Posted 1 day ago

Full Time

Vancouver, Washington

Hybrid

Smart Summary

Process and decision retail loan applications through various channels while documenting decisions and communicating them to the source. Participate in product development, process improvement, and provide excellent service to members.

Seeking candidates with 1+ year of consumer lending experience or equivalent education in a financial institution. Must have or be able to obtain an NMLS license upon hiring. Strong skills in Windows software, attention to detail, and communication are essential.

Must Have Skills for ATS

Consumer lending

Loan processing

Credit analysis

NMLS licensing

Microsoft Office

Windows software

Interviewing techniques

Regulatory compliance

Financial education

Cross-selling

Communication

Attention to detail

Organization

Problem solving

Job Description

About Columbia Credit Union

Columbia CU is a full-service financial institution with $2.5 billion in assets, over 100k members and we pride ourselves in our commitment to “Making Life Better” in the communities we serve.  Since 1952, our commitment toward “Making Life Better” has earned us accolades and we are honored to be the recipient of several local community recognitions:

  • Best of Clark County Award / The Columbian - 2008-2025
  • Best in Business Award / Vancouver Business Journal - 2013-2024
  • Corporate Philanthropy Award / Portland Business Journal - 2017-2025

Columbia CU Guiding Principles

Vision: The most trusted, respected, and sought-after financial institution, providing innovative solutions and support for our employees, members, and communities we serve.

Mission: Bringing people together to make life better for themselves and their communities. 

Value Proposition: Earning your trust with knowledgeable people and digital options so you can bank “Columbia” how and when you want.

Leadership Philosophy: Leaders at Columbia CU inspire enthusiasm and accountability that drive our mission. Leaders build engagement and communicate honestly and openly. By rallying everyone around our shared vision, Leaders model and expect the best from individuals and teams.

Core Values

People - We have a passion for helping each other and our members.

Community - We have a passion for contributing to the success and growth of the communities we serve.

Financial Wellness - We have a passion for providing the financial education, tools and assistance that create financial wellness and stability for our organization, each other, our members and the communities we serve.

Benefits

  • 100% paid Medical, Dental, Vision for employee - eligible the 1st of the month following hire date
  • Accrued PTO, Accrued Extended Sick Time and 11 Paid Bank Holidays
  • 401k Match- 100% match up to 6% employee contribution
  • A fully remote home office option can be considered in Vancouver, Washington or Portland, Oregon areas only AND only after a multiple month, on-site training has been completed and all work from home requirements are met.
  • Tuition Assistance
  • And More!

About The Role

Under limited guidance process and decision retail loan applications originated through direct, indirect and web channels.  Using the application processing system, document loan decisions and communicate decisions to application source.  Participate in new product development and process improvement as assigned.  Promote the Credit Union through cross sell opportunities.  Provide excellent member and channel service. 

RESPONSIBILITIES 

  • Participate in team meetings to support the sharing of information and provide training opportunities.
  • Maintain positive and supportive relationships with CCU team members for the attainment of credit union quality and growth goals.
  • Document and communicate credit decisions.
  • Prepare adverse action notices as required.
  • Contribute to the development of policy and procedure enhancements and presentation of change opportunities.
  • Maintain knowledge of Credit Union policies and procedures to support the performance of responsibilities.
  • Maintain knowledge of applicable regulatory and credit union laws.
  • Contribute to credit training programs, including Branch and Call Center, as requested.
  • Execute assigned lending authorities to decision applications.
  • Analyze retail credit applications under guidance of established policy and product definitions

REQUIREMENTS 

  • Able to work a flexible schedule that includes working weekends.
  • Requires 1+ year of consumer lending experience or an equivalent combination of education and financial institution experience.
  • Required current NMLS license or ability to obtain upon hire.
  • Proficient in the use of Windows software, including Microsoft Office, to support reporting and analysis needs of position.
  • Knowledgeable in eligibility requirements and all types of accounts and products the credit union provides including credit life, disability, GAP and MBI insurance.
  • Knowledge of federal and state laws and regulations pertaining to lending, thorough knowledge of credit union policy, credit granting criteria, interest rates, and the documentation required for each type of loan available.
  • Must be skilled in personal and telephone interviewing techniques, able to identify loan alternatives, able to communicate decisions effectively and maintain a cooperative attitude with staff and members.
  • Requires attention to detail, a high degree of organization and excellent solution seeking skills.

COMPENSATION

  • $26.00 - 30.00/hour
  • Eligible for Back Office Incentive

Equal Opportunity Employer/AA

Must be 18 or older to apply

Columbia Credit Union

Columbia Credit Union is a community-minded financial cooperative serving over 115,000 members, families, and businesses in the Pacific Northwest—helping local families and businesses reach their financial goals since 1952. We’re dedicated to making life better and actively supporting events and causes that strengthen the neighborhoods where our members and employees live, work, and play. We pride ourselves in putting our members first, no matter what, and we expect the best of ourselves and those we hire. We’re also super friendly. Sound a little like you? Apply now! Don’t just take it from us: Voted Best of Clark County for 16 years by The Columbian readers and Best in Business for 10 years by The Vancouver Business Journal readers. Received the Workplace Excellence award from Peter Barron Stark Companies for well over a decade including 2023. The Portland Business Journal has recognized Columbia Credit Union for Corporate Philanthropy from 2017-2023. Columbia Credit Union holds an “A” Health rating from DepositAccounts.com and Bauer Financial’s “5 Star” and Weiss’ “Recommended” ratings. Columbia Credit Union upholds sustainable business practices, with LEED-certified locations, Clark County Green Business, and City of Portland Sustainability at Work Silver Certificate designations.

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