Loan Underwriter in Golden, Colorado at On Tap Credit Union

Loan Underwriter – Job Posting – April 2026

Ready to make smart decisions that help our members move forward with confidence?

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.

What You’ll Do

• 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

What Makes You a Great Fit

• 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

Qualifications

• High school diploma or equivalent required
• 2–5 years of lending or underwriting experience preferred
• Experience with indirect lending channels is a plus
• Familiarity with financial operations and documentation analysis
• NMLS registration (or ability to obtain) required

Work Arrangement

• Upon learning and demonstrating competency in this role, you may be considered for a hybrid schedule (minimum 2 days onsite per week)

Why Join On Tap Credit Union?

We live by our K.E.G. of Excellence Values:

• Kind – We lead with empathy and integrity
• Engaged – We collaborate, grow, and take accountability
• Genuine – We show up authentically and build trust

You’ll be part of a team that values relationships, encourages growth, and is committed to doing what’s right for our members and each other.

Apply Today

If you’re ready to bring your analytical skills and lending expertise to a team that values both performance and people — we’d love to connect.