Consumer Lending Indirect Underwriter

FourLeaf's ultimate goal is to provide the best-in-class member and employee experience, and it all begins with two things: hiring incredible people and giving them a great place to work.

The Consumer Lending Indirect Underwriter is responsible for evaluating consumer loan applications to determine the creditworthiness of applicants applying for financing through indirect channels or third-party vendors. This role involves analyzing financial information, credit reports, and other relevant data to make informed lending decisions, ensuring compliance with company policies, regulations, and risk management practices. 

Hours: Monday - Friday 9:00am to 6:00 pm with one Saturday (8:00 am - 3 pm) monthly. Employee will receive one day off during the week when scheduled for a Saturday.

This opportunity is open to flexible work options including a hybrid or remote set up

• Analyze Loan Applications: Evaluate credit reports, application information, and financial documents to determine applicants’ ability to repay, ensuring all loan decisions comply with company policies and guidelines.
• Collaborate with Teams: Work closely with the underwriting team, sales teams, and senior management to ensure a smooth and efficient loan process.
• Loan Recommendations: Provide recommendations for loan approval or denial to the Loan Review Committee or Underwriting Manager when applicable.
• Dealer Relationships: Maintain and handle dealer relationships, ensuring effective communication and loan accuracy.
• Fraud Detection: Identify potential fraud or misrepresentation in loan applications.
• Communication: Communicate effectively with dealers or other third-party vendors to clarify underwriting requirements and ensure loan accuracy.
• Decision Making: Make loan decisions, answer phones, and respond to queries within established dealer service levels.

• High School Diploma or GED.
• Minimum of 2 years in Consumer Underwriting, Consumer Lending, or a related field; experience collaborating with dealers is preferable.
• Strong understanding of underwriting guidelines, credit risk assessment, and lending regulations.
• Strong organizational skills to manage a high volume of loan applications.

• Computer Skills: Proficient in Excel, Outlook, and Word; experience with LOS navigation (ARC system) and DNA.

• Certifications: Lending Certified

The estimated salary for this role is $31.93 - $38.32 per hour. (FourLeaf Federal Credit Union offers a comprehensive benefits package, including medical, dental, and vision coverage; life and disability insurance; voluntary benefit programs; a 401(k) plan with employer match; reimbursement and wellness programs; and an annual performance-based bonus.)

In addition to our comprehensive benefits, we invest in employee connection and well-being through:

• Competitive 401(k)
• Tuition and fitness reimbursement programs
• Flexible work options
• Volunteer opportunities
• Executive “Water Cooler Chats”
• Clubs, sports, and social events
• Food truck days

….and more!

FourLeaf Federal Credit Union (FourLeaf) has been committed to the financial well-being of our members for over 80 years. Through our full range of competitive savings and loan products, you can trust us in every step of your financial journey. From applying for a credit card to closing on your mortgage to opening your child’s first savings account, FourLeaf is here to help you reach your financial goals.

We are proud to be an award-winning place to work! Some of our recent recognitions include Certified Great Place to Work 2024-2025, America’s Greatest Midsize Workplaces 2025, Quantum Workplace Employee Voice Award 2024, and Fortune’s Best Workplaces in Financial Services & Insurance 2024. 

As a credit union, our vision is to enrich the lives of our members, employees, and communities. Since 2002, we have been an integral community partner through our charitable giving and community development programs in New York and beyond.