TitleConsumer UnderwriterCityHoustonStateTXJob DescriptionThe Consumer Underwriter is responsible for analyzing applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans. The consumer underwriter examines prospective loan requests for previous credit history and current financial obligations. In addition, the underwriter qualifies, approves, denies, or counter-offers loans within assigned limits and company policy and refers those decisions beyond their credit limit to the appropriate level of management, recommending approval or rejection and justifying that decision. May also assist in responding to credit bureau disputes and updating information to consumer reporting agencies. The Consumer Underwriter will also be involved in the education and skill building of lending staff with regard to loan structuring, pricing and other facets of the loan process.Requirements• Minimum 2 years credit union or bank consumer lending experience in origination, loan structuring and negotiation. Prior consumer lending approval authority preferred. • Must have a strong working knowledge of all consumer regulations, including Regulations B and Z, FCRA and Uniform Commercial Code. • Strong analytical and decision-making skills • Effectively and accurately utilize Microsoft Word, Microsoft Excel, internet, email, and other proprietary software.• Excellent verbal and written communication skills• Strong attention to detail Please submit a resume in order to be considered for the position.Smart Financial Credit Union in an Equal Opportunity Employer.