Consumer Underwriter

September 29, 2026

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About the position

This position is located in Brighton, MI hybrid - 3 days in office, 2 days remote weekly. More Than A Job! Why do you work each day? To us, our jobs are not just something we do to make a living, it’s a way to live. We work to support our members; whether celebrating moments of joy, finding a solution to an obstacle, or offering encouragement through a time of struggle. The worth of our work isn’t measured in dollars and cents, it’s seen in our communities and felt by the people who believe in us. Job Summary Be a lead underwriter for DROs to contact with questions pertaining to indirect applications. Has authority to review and decision member loan appeals. Underwrite direct and indirect consumer loans received through all delivery channels. Underwrite home equity loans, approve home appraisals and boat surveys. Review and approve home equity title work policies. Review Mortgage Investment Offerings. Make decisions to approve, counter approve or deny loan requests for internal and external members. Regularly communicate with other internal members and respond to questions concerning consumer loans. Make moderately complex loan decisions based on the overall worthiness of the borrower to achieve meeting our memberships borrowing needs and Company lending objectives. Consistently deliver high quality, knowledgeable and responsive service to the internal team members. Look for cross-sell opportunities and work with loan originators to develop multiple options for our membership to improve their financial well-being.

Responsibilities

Be a lead underwriter for DROs to contact with questions pertaining to indirect applications.
Has authority to review and decision member loan appeals.
Underwrite direct and indirect consumer loans received through all delivery channels.
Underwrite home equity loans, approve home appraisals and boat surveys.
Review and approve home equity title work policies.
Review Mortgage Investment Offerings.
Make decisions to approve, counter approve or deny loan requests for internal and external members.
Regularly communicate with other internal members and respond to questions concerning consumer loans.
Make moderately complex loan decisions based on the overall worthiness of the borrower to achieve meeting our memberships borrowing needs and Company lending objectives.
Consistently deliver high quality, knowledgeable and responsive service to the internal team members.
Look for cross-sell opportunities and work with loan originators to develop multiple options for our membership to improve their financial well-being.
Collaborate with leadership to run department meetings.
Train Consumer Loan II underwriters on Mortgage Center IOs, home equity loans and personal/business tax returns.
Underwrite various consumer loan applications from delivery channels and analyze the information provided.
Request additional information from team members as required.
Mentors Consumer Level II on complex loans or issues on documentation for the loan request.
Review Mortgage Investments.
Functions as a primary point of contact via multiple communication channels for: Dealer Relations Officers, indirect dealers and internal members, for communication related to underwriting decisions.

Requirements

Level II High School Diploma (GED) is required.
Three or more years consumer underwriting OR related experience required.
Proven ability to support a strong member service culture.
Excellent problem-solving and communication skills.
Flexible work schedule meeting the needs of the membership and dealerships.
Level III High School Diploma (GED) is required.
Five or more years risk base consumer underwriting OR related experience required.
Previous financial institution experience.
Proven ability to support a strong member service culture.
Excellent problem-solving and communication skills.
Flexible work schedule meeting the needs of the membership and dealerships.

Benefits

Financial wellbeing services
401(K) matching with up to 5% match
Reduced health insurance
Employee wellbeing services
DE&I initiatives
Work-life balance

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