At MidWest America you’re more than just an employee, you’re part of a mission-driven team committed to making a real difference in the lives of others. We believe in the power of people helping people, and that every unique background, voice, and perspective makes us stronger.
Here, you’ll find a workplace rooted in community, inclusion, and equity, where you’re encouraged to bring your whole self to work and grow with purpose. We serve every member with compassion and respect, no matter their financial journey.
So bring your passion. Share your ideas. Be part of something meaningful.
Find your place. Build your future. Make an impact, right where it matters most
Job Summary:
The Consumer Underwriter I is responsible for reviewing, analyzing, and processing consumer loan applications while providing timely, accurate support to branches, dealerships, and internal team members. Also responsible for the processing of all consumer mortgage products. Work Saturday shifts as assigned. At the entry level, this role begins with zero lending authority and focuses on administrative and analytical tasks, including becoming proficient in processing assigned consumer mortgage products, and preparing consumer loan files for decisioning by authorized underwriters.
As proficiency is demonstrated and required training is successfully completed, the Consumer Underwriter I may be granted limited lending authority to decision consumer loan requests (excluding mortgages) within defined approval limits. After earning lending authority, the role expands to include independent decisioning of eligible consumer loans, continued support to branches and dealerships, and increasing responsibility in underwriting functions.
The position serves as the foundational stage in the Consumer Underwriter career path, with the expectation of progressive development toward Consumer Underwriter III, which holds full lending authority for all consumer loan and mortgage products.
Job Qualifications:
Required:
- High school diploma or equivalent.
- Minimum of two (2) years of relevant experience in financial services, such as consumer loan processing, mortgage processing, underwriting, or comparable professional experience and training.
- Operational knowledge of the financial services industry, loan documentation, and credit analysis.
- Experience using a core processing system and lending platforms.
- Ability to review and interpret consumer credit reports, income documentation, and collateral valuations.
- Solid multitasking ability with the capacity to work independently, manage deadlines, and demonstrate initiative, drive, and perseverance.
- Excellent communication, analytical, and problem-solving abilities.
- Must possess or be eligible to obtain an NMLS license within a designated timeframe.
- Must have reliable transportation to and from work
Preferred:
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College coursework or a degree in business, finance, or a related field.
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Experience in indirect lending or dealer relationships.
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Familiarity with federal lending regulations (ECOA, HMDA, TILA, RESPA, Fair Lending, HOEPA) with willingness and ability to learn.
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Experience reviewing and analyzing consumer credit reports, income documentation, and collateral valuations.
Essential Elements of the Job:
1. Compliance, Confidentiality & Risk Management - Adhere to all Federal Regulations: ECOA, HMDA, Fair Lending, TILA, RESPA, HOEPA.
2. Accurate & Timely Lending Decisions - Directly impacts member experience, dealer relationships, and operational performance.
3. Member & Dealer Service Excellence - Supports growth, satisfaction, and long-term relationship strength.
4. Professionalism, Reliability & Representation - Ensures the Credit Union’s brand and culture are upheld.
5. Operational Quality & Documentation - Supports accuracy, compliance, and efficient workflow.
6. Profitability & Portfolio Management - Ensures the lending portfolio grows safely and sustainably.
7. Professional Development & Training - Supports growth and long-term success in the role.
Job Skills and Work Relations:
Communication Skills: Demonstrates proficient phone etiquette and effective written and verbal communication skills; reads, comprehends, and conveys information clearly in English.
Technical Skills: Maintains working knowledge of Microsoft Outlook, Word, Excel, and Symitar.
Organizational & Time Management: Manages multiple tasks efficiently, demonstrates dependable organizational and self-starter abilities, and maintains excellent attention to detail.
Problem-Solving & Decision-Making: Applies sound problem-solving skills, uses abstract reasoning, and makes accurate, timely decisions.
Teamwork & Professional Conduct: Works effectively as a team player; handles stressful situations professionally; demonstrates tact, courtesy, and professionalism when interacting with co-workers, other departments, and members.
Confidentiality & Ethics: Maintains confidentiality and adheres to all compliance expectations in daily responsibilities.
Benefits:
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401(k)
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401(k) matching
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Dental insurance
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Paid Short & Long-Term Disability insurance
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Health insurance
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Paid Life insurance
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Paid time off
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Paid Vision insurance
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16 Paid time off volunteer hours
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Loan rate discounts
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Sick Time
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Paid holidays (Federal holidays observed)
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Personal Time
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Tuition Reimbursement
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Competitive Pay
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Financial Planning
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Identity Theft Monitoring
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Comprehensive training provided by a dedicated training staff
Employee reports directory to the Consumer Lending Manager
MidWest America is an equal opportunity employer. We are committed to creating a diverse and inclusive workplace where all individuals are treated with respect and dignity. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, age, genetic information, veteran status, or any other characteristic protected by applicable federal, state, or local law. All qualified applicants will receive consideration for employment.
