Description
Title: Underwriter
Department: Loan Operations
Reports To: Underwriting Supervisor
Job Grade: 10
FLSA: Non-Exempt Last Modified: 7/15/2025
It’s a Job … Only Better!
At UKFCU, we’re more than a Credit Union – we’re a community, and we’ve been proudly serving our members since 1937! As a rapidly growing, not-for-profit organization, we’re dedicated to making a real difference in the lives of our members and employees alike. If you’re looking for a workplace where you can grow, make an impact, and have fun while helping others, UKFCU is the place for you!
Why This Role Matters
As an Underwriter within Loan Operations, you play a critical role in supporting the lending process by reviewing and analyzing loan applications to ensure sound credit decisions. You will serve as a resource to frontline staff and indirect lending teams, ensuring loans are underwritten accurately and in accordance with UKFCU policies, while also maintaining exceptional member service and regulatory compliance.
What You’ll Do
Core Responsibilities
Evaluate credit applications for creditworthiness and repayment ability by reviewing credit reports, verifying debts, analyzing income, and assessing collateral
Make lending decisions by approving, denying, or countering loan applications in a timely and documented manner
Support Retail Staff and Indirect Lending Processors by explaining loan decisions, reviewing credit files, and communicating updates and stipulations to dealerships
Assist with cross-selling lending products by identifying optimal loan solutions for members based on their needs and financial profile
Maintain and update member records to reflect current loan data and application status
Promote UKFCU products and services by responding to inquiries and educating members about options
Work to find ways to strategize and improve our Indirect Lending program based on application and credit insights to ensure we present the best options and stay competitive in our markets we serve.
Protect member and organizational data by adhering to confidentiality standards and sharing information only on a business-need basis
Resolve issues by identifying root causes, determining effective solutions, and communicating resolutions clearly to stakeholders
Ensure compliance with internal policies and applicable federal, state, and local regulations
Stay current with lending trends and credit union best practices by attending training, reviewing industry publications, and participating in professional networks
Contribute to team success by supporting corporate goals and collaborating with colleagues on shared objectives
Qualifications
Who You Are
Experience & Education
2–5 years of similar or related experience preferred
Associate’s degree or equivalent experience required calculating ratios and evaluating credit risk
Skills & Strengths
High attention to detail in underwriting analysis and documentation
Strong interpersonal communication for working with staff, dealerships, and members
Analytical mindset with the ability to interpret credit data and draw sound conclusions
Self-motivated with the ability to manage workload independently and meet deadlines
Effective in working collaboratively and resolving member and internal inquiries
Proficient with standard office technology and systems (ten-key, PC, keyboarding)
Key Traits
Integrity – Maintains confidentiality and ethical decision-making
Accountability – Meets performance metrics and upholds quality standards
Professionalism – Communicates respectfully and represents UKFCU values
Member-Focused – Identifies and responds to member needs with empathy
Solution-Oriented – Proactively addresses challenges and seeks improvements
What’s in It for You?
Competitive salary and industry-leading benefits.
Opportunities for professional growth and leadership development.
A chance to make a lasting impact on our members and the organization’s future.
Legalese
Equal Opportunity Employer
UKFCU is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Employment decisions are made without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by applicable law.
At-Will Employment
Employment with UKFCU is deemed “at-will,” which means that either you or the company may terminate the employment relationship at any time, with or without cause or notice, unless otherwise provided by law.
Physical and Cognitive Demands
This role requires a blend of physical activity and mental focus to effectively perform its essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this role. Key physical activities include sitting, standing, walking, and occasional lifting (up to 25 pounds). You’ll also use your hands for various tasks, reach with your arms, and engage in conversations. Vision requirements include the ability to focus, perceive depth, and distinguish colors. Cognitive abilities essential for this role include judgment, auditory perception, memory, reasoning, and occasional persuasion.
Work Environment
You’ll primarily work indoors in a comfortable, climate-controlled office setting. The noise level is typically moderate, ensuring a focused yet dynamic work environment. Reasonable accommodations will be provided as needed to support an inclusive workplace.
This position allows for an optional hybrid work arrangement which includes a combination of both in-office and remote work arrangements. (Maximum of two days remote, three days in-office). To be eligible for the program, employees must complete a minimum of 90 days of continuous, regular employment, be in good standing, and submit a formal hybrid work application prior to being eligible for hybrid work, pending supervisor approval. Work schedules will be established by the employee's supervisor according to business needs. Working locations and schedules may be altered at management discretion.
