2-5

Consumer Underwriter 2

2/21/2026

This role involves reviewing loan documents and making critical underwriting decisions for auto, personal, credit card, and home equity lines of credit by assessing financial risk and borrower creditworthiness. Essential duties include performing level 1 underwriter tasks, analyzing borrower financial profiles, and escalating complex files to higher levels or supervisors.

Salary

27.14 - 33.93 USD

Working Hours

40 hours/week

Company Size

501-1,000 employees

Language

English

Visa Sponsorship

About The Company

Sunward is one of New Mexico’s largest credit unions, serving 170,000+ members and managing more than $4.1 billion in assets. Formed in 1948 by employees of Sandia National Laboratories, Sunward’s footprint now spans 16 branches in New Mexico, with one in Durango, Colorado, and one in Livermore, California. Sunward has been named by Forbes as a Best-in-State credit union for six consecutive years and ranked in America's Best Regional Bank & Credit Unions by Newsweek three years in a row. Members enjoy access to leading checking, savings, business, mortgage, auto, and investment services. Learn more and apply today at gosunward.org. Sunward is federally insured by the National Credit Union Administration (NCUA) and is an Equal Housing Lender. We’re Hiring! Build Your Career at Sunward Sunward's exceptional culture sets us apart. By attracting and retaining top talent, we are building a financial institution that can transform lives. For our employees, it’s not just about completing transactions; it’s also about building relationships. We’re helping members realize their dreams, achieve their goals, and secure their futures. Check out current openings at gosunward.org/careers/ Let’s Connect • Facebook: Facebook.com/gosunwardcu • Instagram: Instagram.com/gosunwardcu Sunward is federally insured by NCUA and is an Equal Housing Lender. Sunward has no responsibility for any external website. It neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site.

About the Role

Description

Job Summary:

Reviews loan documents and appropriate decisions auto, personal, credit card and home equity lines of credit applications, by assessing financial risk, analyzing data, reviewing borrower’s creditworthiness, and ensuring compliance with banking regulations, while making critical loan underwriting decisions.

Essential Job Duties:

Performs all duties of a level 1 Consumer Underwriter.
Assesses and analyzes borrower's financial profiles, including credit history, income stability, debt-to-income ratios, loan to value ratio, assets, real estate appraisal, title reports, home insurance policies and other relevant information.
Supports and responds to questions from Consumer Underwriter 1
Escalates loan file with recommendation that exceed individual lending authority and/or of high complexity and associated risks to a Consumer Underwriter 3, 4 or Supervisor.
Participates in company lending seminars
Performs other duties as assigned.

Requirements

Required Skills/Abilities:

Excellent interpersonal and negotiation skills.
Excellent organizational skills and attention to detail.
Strong proficiency with Microsoft Office applications. Familiar and comfortable with information technology, particularly digital means of communication.
Strong organizational skills in managing multiple initiatives.
Strong analytical and decision-making skills

Knowledge:

In-depth knowledge of consumer credit and underwriting principles
Good working level knowledge of overall consumer and mortgage lending processes, including underwriting and loan processing.
Good working level knowledge of valid documentation related to the processing of consumer and mortgage applications (tax returns, financial statements, verification of income, etc.)
Good working knowledge of federal and state regulations affecting consumer loans
Familiarity with home equity line of credit

Education and Experience:

Minimum two years’ experience in loan underwriting or directly related experience
Minimum high school diploma/GED or more than two year of related experience.

Physical Requirements:

Prolonged periods of sitting at a desk and working on a computer.

Must be able to lift 5 pounds at times.

Key Skills

Interpersonal SkillsNegotiation SkillsOrganizational SkillsAttention To DetailMicrosoft OfficeInformation TechnologyAnalytical SkillsDecision-Making SkillsUnderwriting