Loan Underwriter

On Tap Credit Union•Golden, CO

1d•Hybrid

About The Position

At On Tap Credit Union, our Loan Underwriters do more than review applications — they play a critical role in helping members achieve their financial goals while protecting the strength of our organization. If you enjoy analyzing details, making sound decisions, and partnering with a team that puts people first, this could be the role for you.

Requirements

Strong analytical and decision-making skills
Solid understanding of consumer lending and regulatory requirements
Ability to balance risk with member experience
Effective communicator who can collaborate across teams
Detail-oriented with a proactive, problem-solving mindset
Comfortable working in a fast-paced, high-volume environment
High school diploma or equivalent required
2–5 years of lending or underwriting experience preferred
Familiarity with financial operations and documentation analysis
NMLS registration (or ability to obtain) required

Nice To Haves

Experience with indirect lending channels is a plus

Responsibilities

Underwrite consumer loans across direct and indirect channels
Analyze credit reports, financial statements, tax returns, and collateral
Make sound lending decisions within authority and provide recommendations beyond limits
Partner with retail teams to deliver exceptional member service and identify opportunities
Review applications for quality, accuracy, and potential risk or fraud
Support indirect lending, including dealer relationships and loan funding
Monitor loan trends, delinquency patterns, and recommend risk mitigation strategies
Stay current on lending regulations to ensure compliance
Coach and support team members on loan submissions and processes
Contribute to process improvements, product enhancements, and special projects