Consumer Loan Underwriter
Company: Credit Union of Atlanta
Location: Atlanta
Posted on: February 14, 2026
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Job Description:
Job Description Job Description Description: JOB SUMMARY: The
Consumer Loan Underwriter is responsible for creating an
exceptional lending experience by providing appropriate decisions
on all consumer loan requests including auto loans, motorcycle
loans, recreational vehicle loans, boat loans, HELOCs and unsecured
loans in a timely and accurate manner. S/he works with members and
staff from all channels, including branch and third-party vendors
and agencies, to review submitted applications and maintain funded
loans for suitability to the Credit Union of Atlanta’s lending
policies and goals. S/he also adheres to established loan policies,
policies, laws, and regulations while demonstrating unwavering
commitment to Credit Union of Atlanta’s mission, vision and values.
PRIMARY RESPONSIBILITIES: 1. Processes and underwrites consumer
loans, including personal, auto, home, credit card in accordance
with Credit Union policy. 2. Examines documents to ensure accuracy
and compliance with existing underwriting guidelines and
stipulations 3. Analyzes applicant credit data, financial status,
financial statements, and property evaluation to determine the
degree of risk involved in extending credit or lending money. 4.
Approves consumer loans within authorized limits and communicates
decisions to branch personnel and/or member; recommends approval or
denial for those greater than authorized limits. 5. Manage auto
decisioning queues and processes. 6. Prepare, process, and
investigate applications and UCCs for title and lien perfection. 7.
Prepare and process deed cancellations, subordinations, and vehicle
lien releases. 8. Prepare and process loan payoffs and letters of
guarantee for members, insurance companies, and service providers.
9. Evaluates member records and approves payment plans based on
earnings, savings data, payment history and overall credit
activity. 10. Review and audit consumer and participation loans for
quality control and certification (accurate interest rate, required
signatures, proper documentation, HYLS, underwriting guidelines,
etc.). 11. Ensures loan decisions are timely, complete and in
accordance to policy and requirements set out in regulation. 12.
Prepares loan documents for committee meetings, audits,
examinations, or when otherwise requested. 13. Recommends policy
and procedure changes to Retail Credit Administrator. 14. Attains
proficiency in pipeline management with an emphasis on
organizational and multi-tasking skills. 15. Serves as a resource
on consumer products/services of the Credit Union; respond to
internal and external loan-related member questions & research; may
provide guidance on consumer lending practices, loan policies and
procedures. 16. Open and manage support cases for core processing
system. 17. Assist with the development, implementation, and
management of loan products and services. 18. Ability to interpret
a variety of instructions furnished in written form, including but
not limited to Loan Policy and Procedural Manuals, Regulation Z,
Fair Credit Reporting Act, Equal Credit Opportunity Act, Fair
Lending Laws, and UCC. 19. Work together with all areas of lending
including origination, consumer lending, business services and
special accounts to ensure an efficient, effective team-based
function. 20. Respond to members’ requests, problems, and
complaints, and/or direct them to the proper person for specific
information and assistance. 21. Respond to all internal and
external voicemails and emails in a timely manner, not to exceed
end of day timeframe. 22. Notate all contact and attempts to
contact on members’ accounts. 23. Perform account research for
resolution of member questions and/or concerns. 24. Represent the
credit union to members in a courteous and professional manner, and
provide prompt, efficient and accurate service in the processing of
transactions. 25. Establish/maintain interdepartmental
relationships to ensure proper account maintenance/resolution. 26.
Assist Financial Service Officers when needed. 27. Assist in all
other areas as needed. Requirements: Minimum Education and
Experience: · Associate's degree (A. A.) or equivalent from
two-year college or technical school; Bachelor’s preferred. A
combination of education and related work experience may substitute
for education. · Five years of loan origination and/or underwriting
experience in · One year of mortgage origination, underwriting, or
processing experience · Title and Lien Perfection (Vintek, DDS,
Department of Revenue) · Commercial lending (some experience
preferred) Knowledge and Skills: · Good interpersonal skills ·
Computer skills, (MS Word, Excel, Text Files, Adobe) · LOS
Management (Symitar/Episys preferred) · Organization and
problem-solving skills · Time Management skills, and the ability to
meet deadlines. · Ability to work independently without direct
supervision · Self-directed with excellent judgment · Strong
written and verbal skills Physical and other job requirements: ·
Flexible hours and some Saturdays · Light lifting · Drivers License
required · NMLS and Credit Life Insurance eligibility
Keywords: Credit Union of Atlanta, Sandy Springs , Consumer Loan Underwriter, Accounting, Auditing , Atlanta, Georgia
