As the nation's largest community credit union, we begin every day focused on delivering superior financial products and services for our 1.3 million members and more than $30 billion in managed assets. Our work has an economic impact as we support our members' financial goals. We are unapologetic about being devoted to our members and the communities we serve. Our business is guided by our people helping people philosophy – which includes our team members. BECU has been in business for more than 85 years, driven by unwavering core values and a dedication to improving the communities we serve. While we have a rich history, the future of our company, accelerated by business and technology transformation, is even brighter. There's never been a better time to work for BECU. To learn more visit becu.org/careers. **PAY RANGE** The Target Pay Range for this position is $30.19-$36.78 hourly. The full Pay Range is $23.42-$43.56 hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. **BENEFITS** Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Employees have access to disability and AD&D insurance. We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees. Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan. Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here . **IMPACT YOU’LL MAKE:** As a Consumer Loan Underwriter at BECU, you’ll play a vital role in helping members achieve their financial goals by ensuring fair, transparent, and accurate loan decisions. Your expertise in consumer lending will empower members while supporting BECU’s commitment to financial health. You’ll collaborate across teams and channels, including indirect dealers, to make informed lending decisions that balance member needs with sound underwriting principles. **WHAT YOU’LL DO:** **Champion Loan Underwriting:** Analyze, evaluate, and underwrite loans within your designated lending authority, ensuring compliance with BECU’s lending policies, underwriting guidelines, and procedures. **Apply Expert Knowledge:** Stay current on BECU loan policies, real estate lending practices, and both state and federal regulations to make sound loan decisions. **Make Informed Decisions:** Approve, counteroffer, or deny loans and credit lines while clearly communicating loan decisions and providing alternatives when appropriate. **Deliver Prompt Service:** Ensure loan applications receive timely and efficient processing, offering clear explanations of decisions and credit criteria when needed. **Collaborate with Dealerships:** Partner with dealerships through the Indirect Lending Channel to purchase loans within service standards while resolving issues with professionalism and courtesy. **Support Member Needs:** Assess members’ financial situations and recommend loan restructuring options, ensuring applications are complete and all relevant details are considered. **Conduct Credit Analysis:** Evaluate credit reports, tax returns, and cash flow statements to support accurate lending decisions. **Advocate for Resolution:** Act as a point of contact for member and dealer issues within your lending authority, ensuring resolutions are timely and thorough. **Lead Process Improvements:** Identify workflow enhancements and suggest process improvements to increase efficiency and service quality. **Drive Product Knowledge:** Stay well-versed in BECU’s consumer loan products, automated scoring systems, and lending matrices to make effective lending recommendations. **Foster Team Collaboration:** Participate in team initiatives, service level monitoring, and productivity assessments to help BECU continuously improve. “This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered.” **QUALIFICATIONS:** **Minimum Qualifications:** + Bachelor’s degree in business required or equivalent work or education-related experience. + Minimum three years of lending related experience required. + One year of consumer lending underwriting experience to include all secured, unsecured, indirect, and home equity products and appraisal underwriting preferred. **Desired Qualifications:** + Ability to make sound credit recommendations and decisions required. + Proficient mathematical skills, with a high degree of accuracy required. + Excellent verbal and written skills to effectively communicate in the English language required. + Ability to effectively problem solve and trouble shoot difficult member situations required. + Full time hours, with additional hours as necessary required. **WHAT YOU’LL GAIN:** + **Impactful Work:** Be part of a team that directly supports members’ financial well-being. + **Career Development:** Continuous learning opportunities and a clear path for career growth. + **Supportive Environment:** Join a collaborative culture that values your input and encourages innovative solutions. + **Competitive Benefits:** Enjoy comprehensive benefits, including health insurance, retirement plans, and more. + **Work-Life Balance:** Benefit from a supportive environment that values professional and personal well-being. **JOIN THE JOURNEY** Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don’t just fill a role but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. \#BECU #YourGrowth #BECUJourney **EEO Statement:** BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status. **Job Alerts:** If you would like to be kept informed of new potential opportunities, click here (https://becu.wd1.myworkdayjobs.com/en-US/External/jobAlerts) . You will be asked to create an account if you do not already have one. From our very beginning, BECU has been about people helping people. As a financial services cooperative, our purpose has and always will be the same: we work together to best serve our members and improve the financial well-being of our community. More than 80 years and one million members later, we're still rooted in our values, practices and mission - and even more passionate about our future. As one of the nation's leading credit unions, we're not driven by profit. We're owned by our members and their interests are at the core of everything we do. Now we're growing faster than ever before--but we'll never forget our roots. To continue doing right by our members, we believe we must first do right by our people. Here, you'll receive the resources and support you need to learn, grow and build a meaningful career. Because we know it's our people who make us special.