[Hiring] Consumer Loan Underwriter II @BECU

Role Description

As a Consumer Loan Underwriter II, you play a key role in helping members achieve their financial goals by making thoughtful, informed lending decisions. You’ll work across multiple channels—including dealership partners and real estate-secured products—to evaluate complex applications with care and precision. Your expertise will help ensure each member receives fair, timely, and well-structured lending solutions, while also supporting the continued strength and integrity of BECU’s lending portfolio. In this role, your voice matters—you’ll influence decisions, improve processes, and directly contribute to meaningful financial outcomes for our members.

Note: This role requires working multiple shifts on PST time including closing shift, working weekends and holidays.

What You'll Do

• Apply Lending Expertise: Strong understanding of BECU’s loan policies, real estate lending practices, and applicable state and federal regulations.
• Evaluate Lending Decisions: Review applications and confidently approve, counteroffer, or decline loans and credit lines within your authority.
• Handle Exceptions Thoughtfully: Assess and decide on loan exception requests within your authority, using sound judgment while maintaining compliance.
• Deliver Timely Outcomes: Prioritize efficiency by reviewing applications promptly and clearly communicating decisions.
• Partner with Dealerships: Collaborate closely with indirect lending partners, providing responsive underwriting support.
• Support Member Solutions: Identify member needs and explore opportunities for loan restructuring or alternative products.
• Analyze Complex Financials: Assess income and cash flow with accuracy, ensuring verification aligns with BECU guidelines.
• Provide Recommendations: Partner with leadership by escalating and recommending decisions on loans that fall outside your authority.
• Maintain Portfolio Quality: Help uphold strong lending standards by meeting portfolio quality benchmarks.
• Act as a Trusted Escalation Point: Support escalated member or dealer concerns, helping resolve issues efficiently.
• Stay Informed: Maintain deep knowledge of credit bureau practices, consumer loan products, and internal decisioning processes.
• Improve Processes: Monitor workflows, identify opportunities for efficiency, and contribute ideas that enhance service levels.
• Drive Continuous Improvement: Research and evaluate potential product or process enhancements.
• Support Team Success: Contribute wherever needed, taking on additional responsibilities to support team goals.

What You'll Gain

• A role where your decisions directly impact members’ financial well-being.
• Opportunities to work with complex and meaningful lending scenarios that grow your expertise.
• Exposure to multiple lending channels, including indirect and real estate-secured products.
• A collaborative environment where your insights and ideas are valued.
• The ability to strengthen your credit analysis, underwriting, and decision-making skills.
• A team that supports continuous learning, development, and career progression.
• The chance to influence process improvements and operational efficiency.
• A purpose-driven organization focused on member success and community impact.

Qualifications

• Minimum requires a bachelor’s degree in business administration or equivalent work or education-related experience.
• Minimum requires 3 years of consumer lending underwriting experience to include all secured, unsecured, indirect, and home equity products.
• Experience in underwriting unusual or complex consumer requests required.
• Mathematical skills, with a high degree of accuracy.
• Ability to make sound credit recommendations and decisions.
• Strong time management and organization skills to effectively prioritize multiple objectives.
• Ability to effectively problem solve and troubleshoot difficult member situations.

Benefits

• 401(k) Company Match (up to 3%)
• 4% annual contribution to your 401(k) by BECU
• Medical, Dental and Vision (family contributions as well)
• PTO Program + Exchange Program
• Tuition Reimbursement Program
• BECU Cares volunteer time off + donation match

EEO Statement

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.