Consumer Loan Underwriter Job at Peyton Resource Group, Phoenix, AZ

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  • Peyton Resource Group
  • Phoenix, AZ

Job Description

Key Responsibilities

  • Review and underwrite consumer loan and credit card applications using credit reports, income documentation, and other relevant financial data
  • Assess borrower creditworthiness, ability to repay, and overall risk exposure
  • Make approval, counteroffer, or decline decisions within assigned authority levels
  • Ensure underwriting decisions comply with internal credit policy, regulatory requirements, and fair lending standards
  • Analyze credit bureau data, income verification, debt-to-income ratios, and other risk indicators
  • Document underwriting decisions clearly and accurately in underwriting systems
  • Communicate with internal partners to resolve application issues or obtain additional documentation
  • Identify potential fraud or misrepresentation and escalate concerns as needed
  • Meet productivity, quality, and turnaround time expectations
  • Participate in audits, quality reviews, and ongoing training to stay current on policy changes and regulations

Required Qualifications

  • 2+ years of experience underwriting consumer credit products (personal loans, credit cards, or unsecured consumer lending)
  • Strong knowledge of consumer credit principles, credit scoring, and risk assessment
  • Experience reviewing credit reports (e.g., FICO), income, and debt calculations
  • Familiarity with consumer lending regulations (e.g., Fair Lending, ECOA, FCRA, UDAAP)
  • Strong analytical and decision-making skills
  • High attention to detail with the ability to manage multiple applications simultaneously
  • Proficiency with underwriting systems and standard office software

Preferred Qualifications

  • Experience underwriting across multiple consumer products
  • Prior experience in a high-volume or fast-paced underwriting environment
  • Bachelor’s degree in Finance, Business, or a related field
  • Experience working in a regulated financial institution or large bank

Job Tags

Work at office,

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