Credit Union Underwriter

The Credit Union Underwriter at Honda Federal Credit Union is responsible for underwriting and structuring member loan requests for non-real estate products, including credit cards, personal loans, and auto loans. The role involves reviewing member information, analysing credit data, verifying collateral, and determining repayment ability. Candidates must have a high school diploma or GED, at least two years of related experience or relevant training, and working knowledge of state and federal lending regulations. Proficiency in Microsoft Office, strong analytical, negotiation, and communication skills are essential. The position is 100% onsite and requires ongoing education and training. The role offers a competitive base salary, benefits, and opportunities for career growth within the organisation. The Credit Union Underwriter at Honda Federal Credit Union is responsible for providing expert underwriting and approval of non-real estate loan applications, including credit cards, personal loans, boats, RVs, autos, and indirect loans. This role requires reviewing member information, analysing credit data, verifying collateral, and determining repayment ability. The position offers a competitive base salary, paid overtime, regional bonuses, and industry-leading benefits such as medical, dental, vision, and 401K plans. Additional offerings include paid time off, tuition assistance, relocation support, and various wellbeing and support programmes. The role is onsite and plays a key part in supporting the financial health and growth of the organisation.

Legal Entity:

Honda Federal Credit Union:

Business Unit:

Honda Federal Credit Union:

Department:

Consumer/Indirect Lending

Division:

1CU
Work Location:

• Honda Federal Credit Union
• Marysville, OH Echo Dr. Location
  Shift:

1st
Workstyle:

100% Onsite
Career Level:

2
Job Grade:

Non-Exempt-4 (NE4)

Job Purpose

Within authorized authority, HFCU policy, state and federal law, this position provides expertise in underwriting, structuring, documenting, approving or denying member loan requests for all non-real estate loans including credit cards, personal loans, boat, RV, auto and indirect loans.
Key Accountabilities.

Key Accountabilities

• Underwrite loan applications by reviewing member information, analyzing credit bureaus, verifying collateral value, and determining the overall ability for the member to repay
• Review and decision indirect loan applications with professional and courteous dealer interaction
• Provide timely cross-sale information, counter offers, credit line reviews/closures to internal team
• Ongoing education and training

Qualifications, Experience, and Skills

• High school diploma or General Education degree
• Two years related experience and/or relevant training
• Working knowledge of state and federal Lending regulations
• Computer skills: knowledge of Microsoft office suite
• Reasoning ability to structure loan offers, understand regulations, policies and procedures
• Member service and communication skills
• Negotiation skills
• Analytics and creative reasoning

What differentiates Honda and make us an employer of choice?Total Rewards:

• Competitive Base Salary (pay will be based on several variables that include, but not limited to geographic location, work experience, etc.)
• Paid Overtime
• Regional Bonus (when applicable)
• Industry-leading Benefit Plans (Medical, Dental, Vision, Rx)
• Paid time off, including vacation, holidays, shutdown
• Company Paid Short-Term and Long-Term Disability
• 401K Plan with company match + additional contribution
• Relocation assistance (if eligible)

Career Growth:

• Advancement Opportunities
• Career Mobility
• Education Reimbursement for Continued Learning
• Training and Development programs

Additional Offerings:

• Tuition Assistance & Student Loan Repayment
• Lifestyle Account
• Childcare Reimbursement Account
• Elder Care Support
• Wellbeing Program
• Community Service and Engagement Programs
• Product Programs

Honda is an equal opportunity employer and considers qualified applicants for employment without regard to race, color, creed, religion, national origin, sex, sexual orientation, gender identity and expression, age, disability, veteran status, or any other protected factor.

Responsibilities:

• Responsible for underwriting loan applications by reviewing member information, analysing credit data, and verifying collateral value.
• Take ownership of determining the overall ability of members to repay loans.
• Deliver high-quality decisions on indirect loan applications with professional and courteous dealer interaction.
• Provide timely cross-sale information, counter offers, and credit line reviews or closures to the internal team.
• Play a key role in ongoing education and training as required. Skills
• Demonstrate two years of related experience and/or relevant training.
• Show working knowledge of state and federal lending regulations.
• Exhibit proficiency in Microsoft Office suite.
• Display reasoning ability to structure loan offers, understand regulations, policies, and procedures.
• Possess strong member service and communication skills.
• Demonstrate negotiation skills.
• Apply analytics and creative reasoning in loan underwriting. Education
• A high school diploma or General Education degree is required.