Remote Credit Union Loan Underwriter Job Description

Join a Mission That Lends More Than Just Money

Imagine being part of a workplace that doesn’t just approve loans but supports dreams, strengthens communities, and fosters financial well-being. As a Remote Credit Union Loan Underwriter, you play a pivotal role in shaping someone’s future, one thoughtful decision at a time. This isn’t just a numbers game. It’s a human-centered mission in a team founded on mutual respect, compassion, and a unified dedication to equitable financial solutions.

With an annual salary of $62,410, this opportunity offers more than competitive pay. It brings purpose, flexibility, and the warmth of a team that values every individual.

🌟 About the Role

You will evaluate, analyze, and approve or deny loan applications in a remote, collaborative environment. Your insights ensure responsible lending practices while still helping members access opportunities. Your decisions make a real-life impact—approving a family’s first home loan, a student’s path to higher education, or a small business’s much-needed expansion.

💼 Key Responsibilities

• Assess loan applications with a balanced approach to risk and opportunity.
• Analyze credit reports, income documentation, and collateral evaluations.
• Make informed lending decisions based on policy, financial data, and borrower profiles.
• Maintain compliance with federal and state regulations as well as internal lending guidelines.
• Work closely with loan officers and processors to address any application inconsistencies or missing documentation.
• Document decisions and ensure transparent communication with team members.
• Use digital underwriting systems and maintain accurate digital records.

🤝 A Culture of Support and Respect

This role thrives in a people-first environment where inclusivity is more than a buzzword. We champion diversity across backgrounds, abilities, and identities, supporting individuals in expressing their true identities at work.

Our team embodies a culture where every opinion matters, every success is celebrated, and every challenge is faced together. Whether you're based in a bustling city or a quiet rural town, you'll always feel included, respected, and heard.

🌍 Remote-First Flexibility

Welcome to a fully remote role that lets you work from anywhere without sacrificing career growth. Whether you need quiet focus or collaborative moments via virtual tools, you’ll have the resources to thrive. We encourage a healthy work-life balance and prioritize your well-being just as much as your productivity.

🛠 Tools & Technology You’ll Use

• Automated underwriting platforms (e.g., Encompass, Blend)
• Cloud-based loan origination systems
• Secure file-sharing tools and collaborative document systems
• Internal communication tools like Slack and Zoom
• Compliance and reporting dashboards

Each tool is chosen to enhance your productivity and empower smarter decisions, not to slow you down. Our IT support ensures you’re never left hanging when tech hiccups happen.

📌 Required Qualifications

• 2+ years of experience in loan underwriting, preferably within credit unions or community-focused lenders
• Strong knowledge of lending regulations and risk analysis procedures
• Proficiency with credit evaluation tools and digital loan processing systems
• Ability to interpret complex financial data with sound judgment
• Clear written and verbal communication skills
• A disciplined, self-starter mindset suited for remote collaboration
• High ethical standards and dedication to transparency

🙌 What Sets You Apart

• Experience with consumer and small business loans
• Familiarity with secondary market underwriting standards (e.g., Fannie Mae)
• Bilingual or multilingual communication skills
• Understanding of inclusive lending practices

💡 Your Impact

You’re not just processing numbers—you’re investing in someone’s future. From reducing financial inequality to fostering responsible borrowing, your work has a meaningful impact.

Take Anna, for example: a single mother who almost gave up on her dream of owning a home. Thanks to an empathetic underwriter who saw beyond her credit score, she now has a safe place to raise her children. That underwriter could be you.

💬 A Day in Your Virtual Office

You might start your day reviewing mortgage applications while sipping coffee in your favorite sweatshirt. After a brief team check-in on Zoom, you dive into financial documents with laser focus. You troubleshoot a few document issues with a loan processor, make thoughtful notes in the system, and finish the day knowing your decisions directly support someone’s next big life step.

No commute. No office politics. Just meaningful work and a team that appreciates what you bring to the table.

🎯 Growth and Opportunity

Here, your professional development is more than a checkbox—it's a promise. We offer:

• Career coaching and mentorship
• Leadership development programs
• Sponsored certifications in lending and risk management
• Inclusive peer support groups and networking events

As our organization expands, new opportunities arise for you to step into leadership, develop new skills, and take ownership of complex underwriting portfolios.

🌈 Our Commitment to Inclusion

We're building a workplace that reflects the communities we serve. That means fostering a diverse team, promoting equitable practices, and ensuring we’re an equal opportunity employer in every sense. We provide accessible technology, inclusive language policies, and intentional recruitment strategies to welcome underrepresented voices.

🚀 Ready to Empower Futures?

If you're passionate about financial equity, committed to thoughtful lending, and ready to grow within a remote, inclusive workplace, then we'd love to meet you. Apply today to join a team where every loan tells a story—and you're the one helping write it.

Take your underwriting expertise to new heights. Join us and turn financial decisions into acts of empowerment.