Consumer Loan Underwriter

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits?

Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.

While we’re proud of our history, we’re even more excited about our future. With business and technology transformation on the horizon, there’s never been a better time to be part of BECU.

PAY RANGE

The Target Pay Range for this position is $31.92-$38.85 hourly. The full Pay Range is $24.76-$46.06 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. 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 – because people helping people starts with supporting you

• 401(k) Company Match (up to 3%)

• 4% annual contribution to your 401(k) by BECU

• Medical, Dental and Vision (family contributions as well)

• PTO Program + Exchange Program

• Tuition Reimbursement Program

• BECU Cares volunteer time off + donation match

IMPACT YOU’LL MAKE:

As a Consumer Loan Underwriter at BECU, you’ll be a trusted guide in helping members move forward with clarity and confidence. You’ll use your lending expertise to evaluate, analyze, and underwrite loan applications—ensuring members receive fair, timely, and thoughtful decisions. Your work will directly influence our members’ financial well‑being and strengthen their trust in BECU.

Through every interaction, you’ll bring insight, consistency, and care to the underwriting process, shaping positive outcomes for both members and our lending portfolio.

Note: This role is hybrid and will require travel to the Tukwila, WA office on a quarterly to monthly basis or more.

WHAT YOU’LL DO:

• Uphold Regulatory & Compliance Standards:
  Perform all responsibilities in alignment with BECU Competencies, compliance requirements, regulatory guidelines, and information protection standards to ensure secure and high-quality loan practices.

• Apply Lending Policy Expertise:
  Use your deep knowledge of Credit Union loan policies, real estate lending practices, state and federal regulations, and agency requirements to accurately underwrite consumer loans.

• Make Confident Credit Decisions:
  Evaluate, approve, counteroffer, or deny loans and credit lines within established lending limits and automated scoring guidelines—always centering the member’s best interest.

• Ensure Timely Loan Processing:
  Provide fast, thorough attention to loan applications, clearly communicating denials, counteroffers, and underwriting criteria while offering alternative product options when appropriate.

• Collaborate with Indirect Lending Partners:
  Partner with dealerships in the Indirect Lending Channel to purchase loan packages within service levels, and quickly assist with any dealer concerns through courteous, solution-focused communication.

• Support Members Through Detailed Loan Reviews:
  Analyze member needs, discuss restructuring opportunities, and help complete loan applications when necessary to ensure a smooth experience.

• Analyze Financial Documentation:
  Review and interpret tax returns and cash flow insights to ensure accurate credit evaluations.

• Provide Decision Recommendations:
  Offer informed recommendations to team members and escalate decisions to management when loan parameters exceed your lending authority.

• Maintain Portfolio Quality:
  Meet and uphold lending portfolio quality standards through consistent, sound underwriting practices.

• Serve as a Resolution Resource:
  Address and resolve member and dealer questions or issues that fall within your lending authority.