Senior Indirect Lending Underwriter

Arizona Central Credit Union Ranked #2 in Top 10 Credit Unions in AZ for 2026
"Ranking Arizona: Top 10 credit unions for 2026" AZBIGMEDIA

Arizona Central Credit Union offers a comprehensive benefits package, including medical, dental, vision, 401k with up to 6% match, an employee assistance program, and much more.

• Responsible for reviewing, analyzing, and underwriting indirect loan applications including retail and third-party referrals
•  Act as the expert in all areas related to Credit Union Dealer Lending (CUDL)
• Expert underwriter: review credit applications, credit reports, calculate applicable ratios (i.e. Debt ratios, loan-to-value) evaluate borrower circumstances and determine loan decision based on policies and guidelines
• Analyze current financial position of member to determine the degree of risk involved in extending credit within policy or make a recommendation to credit committee
• Follow set procedures when booking loans in the core system, disbursing loan proceeds, ensuring daily funded totals are in balance
• Foster a positive productive role towards building relationships with dealers and other third parties, in person and on the phone
• Participate in quality control of loan files, verify accuracy of documentation, and assist funding with collecting pending conditional items as needed.
• Underwrite and be onsite as needed for special dealer events, possibly weekend events on occasion
• Establish the terms and conditions of an approved or counter offered loan request.
• Underwrite other consumer loan applications for branches and consumer lending department as needed
• Authorizes release of collateral on existing loans, changes in loan terms, waivers of payments, due date change, etc.
• Audit, review, or prepare reports as delegated by Manager or VP of Lending

• Proven ability to make sound decisions and work under pressure is required.
• Must have sound and consistent judgment and decision making abilities.
• Must have strong analytical skills, the ability to work directly with dealers under required time demands and pressure.
• Must have knowledge of consumer lending processes.
• Must possess excellent communication skills.