Consumer Lending Underwriter

About this role

• Primary Location: 4027 Lake Drive, Grand Rapids, MI Employee Status: Full-Time Workplace Type: Fully On-Site **Who we are:** At LMCU, you'll find more than just a job - discover a fulfilling career where your contributions truly matter.
• Join our talented team at Lake Michigan Credit Union and discover the difference an employer who puts people first can make in your career and life.
• **About this Position:** Lake Michigan Credit Union is seeking a detail-oriented and member-focused Consumer Lending Underwriter to join our team.
• In this role, you will play a critical part in supporting our members' financial goals by evaluating loan applications, making sound credit decisions, and delivering an exceptional member experience.
• This position is ideal for a lending professional who combines strong analytical skills with a passion for helping others navigate their financial needs.
• **What you'll do:** * Interview loan applicants to gather information about their financial needs, income, and overall financial condition.
• * Analyze applicants' financial profiles, credit reports, and supporting documentation to assess risk and determine loan eligibility.
• * Approve, deny, or escalate loan applications in accordance with established lending policies and authority limits.
• * Educate members on available loan products, helping them understand options and select the best solution for their needs.
• * Establish loan terms and clearly communicate conditions, rates, and repayment expectations to members.
• * Prepare and review loan documentation to ensure accuracy, completeness, and compliance.
• * Process and authorize servicing actions such as: Collateral releases, loan modifications and due date changes, payment deferrals or waivers * Monitor funded loans to ensure adherence to terms and coordinate with collections when necessary.
• * Participate in sales and business development activities to support lending growth.
• * Stay informed on industry trends, regulatory changes, and best practices in consumer lending.
• * Adhere to and champion our core values of curious minds, collaborative hearts and continuous excellence.
• * Adhere to all applicable federal and state laws, regulations, and guidance; comply with LMCU policies and procedures; complete required training **What you'll bring:** * Strong analytical and decision-making skills with the ability to assess financial risk.
• * Excellent written and verbal communication skills.
• * Ability to explain complex financial concepts in a clear, member-friendly way.
• * Detail-oriented with strong organizational skills.
• * Ability to manage multiple priorities in a fast-paced environment.
• * Commitment to delivering exceptional member service.
• * Experience with lending systems, credit analysis tools, and loan documentation processes preferred.
• **Preferred Education and Experience:** * 3-5 years of experience in consumer lending, underwriting, or a related financial services role.
• * High school diploma or equivalent required; additional education in finance, business, or a related field is a plus.
• **What you'll get:** * All Employees: weekly pay and retirement savings options.
• * Full Time Employees: comprehensive health coverage including medical (with prescription), dental, vision, HSA match, paid parental leave, and tuition reimbursement.
• * To see a full list of our benefit offerings, check out this helpful guide!
• **Have additional questions about the role?
• Email the Talent Acquisition Team at:** **Careers@lmcu.org****.** If you lack access to the internet or require an accommodation in the application process, please send your resume via mail to P.O.
• Box 2848, Grand Rapids, MI 49501-2848.
• LMCU is an Equal Opportunity Employer

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