What are the responsibilities and job description for the Centralized Underwriter position at First Community Credit Union?
About FCCU
FCCU is the largest credit union in the region with over a billion dollars in assets. We are a growing family of employees who succeed both personally and professionally. We offer competitive total compensation, technical and leadership development, and opportunities for industry and community involvement.
As a credit union we are member owned. This allows us to invest in our members and the communities we serve. Through helping others achieve financial growth and giving back to our communities, you can truly fulfill the FCCU mission of Life is Better with Community.
Core Values-Strengthen Community by helping members grow and thrive.
The Centralized Underwriter is responsible for reviewing, analyzing, and decisioning consumer loan, credit card, and deposit account applications in accordance with established Credit Union policies and regulatory requirements. This role ensures prompt, accurate underwriting decisions while supporting member service, cross‑department communication, and the efficient processing of electronic applications.
We provide a great benefits package that includes 11 paid federal holidays, 401k match, fully paid single medical, dental and vision and much more. While we know benefits are highly important, we also recognize and support the value of a family and work life balance.
Work Schedule
Monday-Friday, 8am-5pm
You must complete an FCCU employment application located at https://www.myfccu.com/careers
First Community Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. (EOE, including disability/vets)
FCCU is the largest credit union in the region with over a billion dollars in assets. We are a growing family of employees who succeed both personally and professionally. We offer competitive total compensation, technical and leadership development, and opportunities for industry and community involvement.
As a credit union we are member owned. This allows us to invest in our members and the communities we serve. Through helping others achieve financial growth and giving back to our communities, you can truly fulfill the FCCU mission of Life is Better with Community.
Core Values-Strengthen Community by helping members grow and thrive.
- Community-Our Communities define who we are "People Helping People."
- Integrity-We will live and work with uncompromised integrity.
- Passion-We will display passion in our work and service to our membership.
- Growth-We believe that growing both as a Credit Union and professionally as employees is imperative to our long-term success.
The Centralized Underwriter is responsible for reviewing, analyzing, and decisioning consumer loan, credit card, and deposit account applications in accordance with established Credit Union policies and regulatory requirements. This role ensures prompt, accurate underwriting decisions while supporting member service, cross‑department communication, and the efficient processing of electronic applications.
- Review and decision consumer loan, credit card, and deposit account applications received from branches and online channels within assigned authority.
- Gather and analyze financial and credit data to make consistent, sound underwriting decisions and validate data accuracy in the loan origination system.
- Communicate decisions promptly to branches and members while supporting strong member relationships through friendly, service‑focused interactions.
- Recommend loan terms, collateral requirements, and payment plans as appropriate, ensuring adherence to policies and compliance standards.
- Cross‑train and provide backup support to other loan department roles during high‑volume periods or staffing needs.
- Follow all internal policies, procedures, and security protocols while maintaining professionalism, confidentiality, and consistent attendance
- Associates degree in a business-related field from an accredited college or university or 2 years relevant work experience may be substituted.
- Ability to operate a computer, telephone and other office equipment
- Competitive team player, with a positive attitude willing to learn and adapt to change
- Ability to communication, both written and verbal
- Detail-oriented and able to work in a fast-paced member service environment
We provide a great benefits package that includes 11 paid federal holidays, 401k match, fully paid single medical, dental and vision and much more. While we know benefits are highly important, we also recognize and support the value of a family and work life balance.
Work Schedule
Monday-Friday, 8am-5pm
You must complete an FCCU employment application located at https://www.myfccu.com/careers
First Community Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. (EOE, including disability/vets)