As the nation's largest community credit union, we begin every day focused on delivering superior financial products and services for our 1.3 million members and more than $30 billion in managed assets. Our work has an economic impact as we support our members' financial goals. We are unapologetic about being devoted to our members and the communities we serve. Our business is guided by our people helping people philosophy – which includes our team members. 

BECU has been in business for more than 85 years, driven by unwavering core values and a dedication to improving the communities we serve. While we have a rich history, the future of our company, accelerated by business and technology transformation, is even brighter. There's never been a better time to work for BECU.

To learn more visit becu.org/careers.

PAY RANGE

The Target Pay Range for this position is $30.19-$36.78 hourly. The full Pay Range is $23.42-$43.56 hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

BENEFITS

Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage.  Employees have access to disability and AD&D insurance.  We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees.  Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan.  Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here.

IMPACT YOU’LL MAKE

As a Consumer Loan Underwriter at BECU, you will play a key role in supporting our members' financial goals by evaluating and approving loan applications with efficiency and expertise. Your insights and decisions will help ensure our members receive the best financial solutions tailored to their needs, while also maintaining the integrity and profitability of our loan portfolio. You will collaborate with various delivery channels, including indirect dealers, to enhance member satisfaction and drive the growth of BECU's consumer lending program. Your contributions will be vital in maintaining high standards of lending quality and compliance, ultimately helping BECU achieve its mission of empowering financial well-being for all.

WHAT YOU’LL DO

Evaluate and Approve Loans: Review, analyze, underwrite, and approve loan applications within your designated lending authority, following BECU's policies and guidelines.Provide Loan Solutions: Offer prompt attention to loan applications and provide detailed explanations for loan decisions, including denials and counteroffers, while suggesting suitable BECU loan products.Collaborate with Dealerships: Work with dealerships through the Indirect Lending Channel to purchase loans and address any dealer issues promptly and professionally.Analyze Financials: Analyze member tax returns, cash flow, and overall financial situation to provide informed loan structuring recommendations.Maintain Lending Standards: Meet and uphold portfolio lending quality standards, making decisions that align with BECU's financial goals and member needs.Act as a Resource: Serve as a point of contact for member and dealer-related issues within your lending authority, ensuring swift and satisfactory resolutions.Enhance Knowledge: Maintain comprehensive knowledge of Credit Bureau issues, consumer loan products, decision matrices, and automated scoring systems to better assist members.Optimize Processes: Monitor workflows, suggest process improvements, and participate in initiatives to enhance service levels and productivity.Contribute to Product Development: Research and evaluate the need for process or product changes, making recommendations that enhance BECU’s lending services.Support Team Efforts: Actively participate in team activities, helping monitor service levels and productivity to achieve department goals.Perform Additional Duties: Take on additional tasks as needed to support the team and department.

This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU’LL GAIN

Expertise Development: Enhance your skills in loan underwriting and decision-making while staying current with lending policies and market trends.Professional Growth: Grow your career by contributing to a dynamic team that values innovation and member service excellence.Collaborative Environment: Work within a supportive team that encourages collaboration, continuous learning, and process improvement.Comprehensive Benefits: Access a range of benefits designed to support your professional and personal well-being.Impactful Role: Make a real difference by helping members achieve their financial goals and supporting BECU’s mission to empower financial well-being.

QUALIFICATIONS

Minimum Qualifications

Bachelor’s degree in business required or equivalent work or education-related experience.Minimum three years of lending related experience required.Proven ability to analyze financial data and make sound credit recommendations and decisions in accordance with lending policies and guidelines required.Demonstrated ability to effectively resolve complex member situations, using strong problem-solving skills to identify issues and implement appropriate solution required.

Desired Qualifications

Minimum one year of consumer lending underwriting product experience, secured or unsecured.

JOIN THE JOURNEY

Ready to make an indelible impact? Eager to be part of a collaborative and innovative team where your ideas and contributions don’t just fill a role but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust operational landscape of BECU.

Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney

EEO Statement:

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.