Sr. Underwriter

At Grow Financial Federal Credit Union, we believe in service — to our 300,000 members, 600 team members and local communities. We’re not just your average bank. We’re a credit union, owned by our members and dedicated to serving people, not profit. We know that happy, engaged people provide the best service, so we live by our mantra: Be Bold. Be Great. Have Fun. Consistently named a Top Workplace by the Tampa Bay Times among multiple national awards we strive to develop a diverse, collaborative culture where you can grow personally and professionally.

Our “work from where you do your best work” strategy provides flexibility to our team members — who currently reside across the U.S. — with a variety of remote, hybrid and in-person roles. We enjoy plenty of opportunities to stay connected through video collaboration, digital tools, community service initiatives and numerous activities. Whether you thrive in a remote setting, prefer the energy of in-person collaboration or seek a balance between the two, you'll find your fit here. Join us as we seek to make things grow — people, communities, money and dreams.

Grow Financial is headquartered in Tampa, FL. For remote roles, candidates must be located in the following states: AL, AZ, AR, DE, FL, GA, ID, IN, IA, KS, KY, LA, MS, MO, MT, NE, NH, NC, ND, OH, OK, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY.

Some of our Benefits/Perks:

• Remote/Work From Home Available
• Medical/Dental/Vision Insurance
• Employee discount on loans Team members qualify for a discount on consumer loans.
• Tuition Reimbursement of up to $5,250 per year for full-time team members.
• Paid Time Off 15 days/year & over 10 Paid Holidays
• Paid Volunteer Days Grow provides two bi-annual paid volunteer days to all team members.
• Retirement Benefits (401K) Grow matches up to 8% for team members.
• Growth Potential In-house training department dedicated to helping our team members reach their maximum potential.

Primary responsibility for this position is reviewing, analyzing and rendering a decision on direct and indirect consumer loans within credit guidelines and lending authority.  This position works in an assigned centralized lending queue and approves, denies or provides loan originator with a counter offer for each application. This person must have the ability to interpret credit reports and other financial information related to an application to determine if it is an acceptable credit risk and potential mitigates.  This person would also use fraud detection tools in addition to diligence in evaluating an application to determine potential fraudulent applications and acceptable mitigation measures.  This person must be able to excel in a fast paced team environment focused making solid credit based business decisions for our members that drive efficiency, production and while mitigating losses. Is cross-trained to process, approve, deny or make recommendations on workout loan applications within lending authority. Continuously focuses on assisting members with long term resolutions to financial hardships while minimizing losses to the credit union. This person must be a champion of an environment that focuses on Grow Financials mission, vision and core values.

Required Skills/Experience:

• High school diploma required. Bachelor of Arts/Science degree from an accredited university is strongly preferred.
• 5 years of direct and indirect underwriting experience required, including extensive knowledge of consumer loan documentation requirements and consumer lending regulations. 
• Superior communication skills to include: written abilities, presentation skills, active listening, voice quality, grammar, articulacy, strong interpersonal skills, multi-tasking ability, conflict management and telephone etiquette skills.
• Proficient mathematical skills, with a high degree of accuracy.  Ability to perform complex income analysis. 
• Ability to prioritize and use mature judgment in a fast-paced environment.
• Effective leadership and negotiation skills with ability to adapt to change within working responsibilities.
• Working knowledge of Windows-based PC products and general office equipment.

Physical Demands:

• Must be able to sit for extended periods of time.
• Must be able to read, write, speak and type English.
• Must be able to hear and use a telephone. 
• Use of computer requires repetitive keystrokes.

Work Environment:

• This role is fully remote, with the option to work from our HQ or retail locations.
• Sedentary role.
• Schedule flexibility between 8 a.m. and 8 p.m. Monday – Saturday with some Sundays as well.

An Equal Opportunity Employer Minorities/Females/Veteran/Disabled

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