In 1954, the Chattanooga DuPont Plant was one of southeast Tennessee’s largest employers, hiring people from all over the tri-state region. Some of these people saw the need for a different kind of financial institution – one that could meet the financial needs of all its employees, including those with more limited means. Recognizing that credit unions embraced the philosophy of “people helping people,” the wheels were set in motion. On February 26, 1954, the Chattanooga DuPont Nylon Employees Credit Union was organized and chartered. Since then, many changes have shaped Scenic Community Credit Union into the strong financial institution it is today. Mergers and expansions have allowed us to serve a larger group of people better than ever before. But our philosophy is the same as that of the original founders: we strive to advance financial peace of mind within our community.

At Scenic Community Credit Union, we know you're more than just a number. We know the important numbers that matter most; the ones that tell your story! From starting your financial journey, to planning for your first home and reaching your family's financial goals. We're here to celebrate your story not just your balance. From milestones to memories, we're here to celebrate every moment that counts. When you join SCCU, you're not just a member, you are part of a community that values every number and every story.

PURPOSE:

This position exists to serve the members of Scenic Community Credit Union and work to achieve the established goals of this Credit Union. The position exists within the Lending Department and is an integral part of the daily operations and success of the Department and Credit Union.

Position Summary

The Consumer Loan Underwriter is responsible for evaluating, approving, and declining consumer loan applications originated through branch locations and dealership partners. This role ensures all lending decisions align with company policies, risk tolerance, and applicable federal and state consumer lending regulations. The Underwriter works closely with branch staff, dealership representatives, and internal departments to facilitate sound credit decisions while supporting business growth and member/customer service excellence.

KEY RESPONSIBILITIES:

· Underwrite consumer loan applications originated through branch locations and dealership partners, exercising discretion and independent judgment within established underwriting guidelines and assigned lending authority.

· Analyze credit reports, income documentation, debt-to-income ratios, collateral values, and other relevant financial information to assess credit risk and determine appropriate loan decisions.

· Approve, conditionally approve, or deny loan applications in accordance with credit union loan policies and procedures.

· Retain thorough knowledge of loan policies, procedures, interest rates, and consumer loan products and services, including those offered through third-party partnerships.

· Communicate loan decisions clearly and professionally to branch staff, dealership personnel, members, and internal departments.

· Ensure compliance with all applicable federal and state consumer lending regulations, including but not limited to:

Truth in Lending Act (TILA)Equal Credit Opportunity Act (ECOA)Fair Credit Reporting Act (FCRA)Fair Lending regulationsState-specific lending laws and regulations

· Review and verify loan documentation for completeness and accuracy prior to funding; maintain accurate loan documentation and records in accordance with regulatory requirements and internal audit standards.

· Monitor indirect lending activities and loan portfolio quality to ensure adherence to established policies and identify trends related to credit risk.

· Serve as liaison between the credit union, dealership partners, and internal departments to resolve loan issues and ensure responsive, effective outcomes.

· Assist dealership personnel with loan status updates, research requests, and problem resolution; maintain strong business relationships through consistent communication and site visits as directed.

· Provide guidance and support to branch and dealership staff regarding underwriting criteria, documentation requirements, and compliance standards.

· Stay current on regulatory changes, underwriting guidelines, and industry best practices.

· Participate in internal and external audits as required.

In addition to the previously stated, all other job duties and responsibilities as assigned by management.

Qualifications

Education & Experience:

· Associate’s degree in finance, Business Administration, or related field is preferred (or equivalent work experience).

· Minimum of five-years of banking or related experience.

Two plus years of consumer lending or underwriting experience, preferably in a financial institution environment.Experience underwriting indirect (dealer-originated) loans preferred.

Knowledge & Skills:

Strong knowledge of consumer credit analysis and risk assessment.Working knowledge of federal and state consumer lending regulations.Ability to interpret credit reports, tax returns, pay stubs, and financial statements.Excellent analytical and decision-making skills.Strong attention to detail and organizational skills.Effective verbal and written communication skills.Ability to manage multiple priorities in a fast-paced environment.

· Proficient in Microsoft Office Products including Excel and Word software and business equipment including calculator, printer, scanner, and telephone.

· Keen sense of customer service.

Physical Activities and Requirements of this Position

· Talking: One must frequently convey detailed or important instructions or ideas accurately and quickly. One must be able to conduct training in a one-on-one situation and in group settings.

· Repetitive Motions: Movements frequently and regularly require using the wrists, hands, and/or fingers.

· Finger Dexterity: Primarily using just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.

· Physical Strength: Lifts or exerts up to 20 lbs. occasionally and/or up to 10 lbs. frequently.

Mental Activities and Requirements of this Position

· Reasoning Ability: Ability to deal with a variety of variables that could occur with limited standardization. Able to interpret various instructions.

· Mathematics Ability: Ability to perform basic math skills, use decimals to compute ratios and percentages, and to draw and interpret graphs.

Work Environment and Conditions

Office-based position with regular interaction with branch staff and dealership partners.May require occasional extended hours based on business needs.Saturday hours are required on a rotating basis as assigned by management.

· No hazardous or significantly unpleasant conditions (such as in a typical office).

Intent and Function of Job Descriptions

This job description is intended as a summary of the major duties and responsibilities as well as qualifications for this position. The job description is not intended as inclusive of all duties an individual in this position might be asked to perform or of all qualifications that may be required either now or in the future.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodation will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the Credit Union.

Job descriptions are not intended as and do not create employment contracts. The Credit Union maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

The pay range for this role is:48,000 - 58,000 USD per year(Chattanooga)