Job Description: Position Summary: The Centralized Underwriter is responsible for reviewing and evaluating all consumer loan applications to determine risk levels and formulate credit decisions. The incumbent will apply underwriting principles and guidelines to make informed decisions and manage risk effectively to formulate credit decisions for consumer loan applications. Primary Responsibilities and Duties: • Review, analyze and evaluate loan applications for completeness and accuracy utilizing departmental policies and strategies. • Assess risk factors associated with applicants and determine eligibility for credit to protect credit union assets. • Collaborate with branch employees to gather additional information as needed. • Responsible for making sound lending decisions based upon Everwise’s underwriting and documentation requirements. • Communicate underwriting decisions to the originating loan officer and provide rationale on credit decisions when necessary. • Personal lending limit may vary according to experience, quality of loan decisions, and product type. • Responsible for maintaining a professional relationship with Retail Branches and MCC team by providing prompt, courteous, and quality service. • Ensure compliance with company policies, regulatory requirements and accountable for understanding and applying government laws and regulations and Everwise’s policies and procedures relating to the Anti-Money Laundering Regulations including but not limited to the Bank Secrecy Act (BSA), US PATRIOT ACT and OFAC. • Assumes additional responsibilities as necessary for the growth and advancement of the credit union. Knowledge/Skills: • Ability to comprehend detailed instructions. • Strong analytical and problem-solving skills • Excellent communication and interpersonal skills • Ability to work well with others in a team environment. • Proficient in Microsoft Office Suite • Strong organizational, prioritization and time management skills. Ability to perform efficiently while working under deadlines and time constraints. Minimum Requirements: • High School diploma or GED • 3+ years lending and/or financial experience required • Variability of shifts may include weekday, evening or weekend hours. • Hybrid position with expectation to work in office a minimum of 1 day per week. Everwise is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.