Working at Kirtland CU is more than a job-it's a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment.

We are currently seeking a Consumer Loan Underwriter III to join Kirtland Credit Union! This position is currently on-site at our Albuquerque Home Loan Center; hybrid work may be considered in the future based on business needs and manager discretion.

Sign on Bonus Available

Join the rest of our teammates and become eligible for a generous benefits package that we offer:

• Medical, Dental and Vision Insurance
• 401(k) Retirement savings program
• 401 (k) employer match
• Paid time off with accrual starting from day one.
• 11 Paid holidays off during the year!
• Tuition Reimbursement for College Degrees
• Employee Clothing Advance
• Fitness Reimbursement Program
• Employer paid Life Insurance
• Employee Assistance Program
• Employer paid Short- and Long-Term Disability Insurance
• Travel Assistance Program

This is what we would like you to do:

Responsible for reviewing and underwriting all consumer loans generated through both the direct, remote, and indirect consumer loan underwriting channels. Responsible for following established procedures, policies and guidelines for underwriting, verifying, and quality control. Works closely with loan origination staff, members, and dealerships when required. Ensures that such lending operations are in accordance with established policies, procedures, and legal requirements resulting in appropriate profit, and minimum delinquency ratios. Ensures that areas of responsibility support Credit Union Mission, Vision, Strategic Objectives and Service Standards. Ensures that services are delivered professionally and efficiently. Supports and provide exceptional internal and external member service.

Primary Job Duties:

• Assumes responsibility for the implementation policies, procedures, and guidelines.
• Assists the VP of Consumer Loans in developing short and long-term efficiencies for the Consumer Underwriting Department by providing suggestions and recommendations.
• Applies proper risk management, fair lending, and regulatory compliance to meet consistent KFCU credit policy for all credit decisions.
• Assists with conducting periodic reviews of existing systems and procedures to ensure maximum efficiency and legal compliance.
• Executes established operational goals and ensures that corporate-wide objectives are complemented and supported.
• Assumes responsibility for the effective and efficient completion of Consumer Loan functions.
• Maintain awareness of KFCU policy by reading and evaluating guideline updates, policy changes and product changes.
• Ensure that lending functions are completed in accordance with established policies and procedures and related legal requirements.
• Maintain relationship with loan sales staff to obtain information, present data or explain policy or procedures. Thus, serving as a resource on underwriting questions.
• Underwrite complex direct consumer loans and indirect auto loan requests.
• Analyze applicant’s credit data, financial status, or financial statements to determine the degree of risk involved in extending credit.
• Assumes responsibility for ensuring that professional business relations exist with members, vendors, and trade professionals.
• Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Credit Union personnel and with management.
• Assumes responsibility for related duties as required or assigned.

Education/Certification:

• Bachelor’s degree preferred.

Experience Required:

• Minimum 2 years previous lending/underwriting experience within a financial institution or related field or over 2 years of underwriting experience preferred

Required knowledge, skills and abilities:

• Proficient knowledge of consumer lending policies, procedures, laws and regulations.
• Proficient with retail installment contracts.
• Proficient understanding of government regulations and legal requirements
• involving consumer lending and related functions preferred.
• Strong analytical skills with the ability to calculate lending ratios, conduct loan risk
• analysis and properly identify credit issues, fraud and/or other associated lending risks.
• Strong analytical skills with the ability to offer viable and creative loan alternatives while staying within credit union risk tolerance.
• Experience with finance computations, lending calculators and general consumer loan applications.
• Comprehensive understand of loan contracts including APR, amortization schedules, and simple interest calculations.
• Knowledgeable in credit union lending policy and lending regulations including Reg B, Reg Z, Fair Lending, and Equal Credit Opportunity Act (ECOA), etc. preferred.
• Ability to balance productivity and speed to meet service levels with quality underwriting to protect the credit union from undue risk.
• Strong interpersonal skills (oral and written communications, active listening, positive attitude).
• Ability to function in a team environment as a proven team player.
• Strong in PC proficiency including Word, Excel, Outlook, with the ability to learn new software programs as required.

To apply for this exciting opportunity, visit our careers page at www.kirtlandcu.org/careers

Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.