Consumer Loan Underwriter

M Force

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Consumer Loan Underwriter

The Consumer Loan Underwriter will perform a detailed credit analysis of a borrower, including employment records, income sources, and credit reports. The underwriter determines if the borrower’s financial ratios meet the bank's lending standards and assists with the credit exception process.

Consumer Loan Underwriter Responsibilities:

  • Evaluate borrower profiles to determine whether or not they meet the bank's credit criteria.
  • Review and analyze credit reports, tax returns, free cash flow calculations, non-standard income sources, and other documents provided by applicants.
  • Prepare and present applications that may be eligible for a credit exception to the credit manager.
  • Identify common underwriting issues and work with the originations team to improve the process to address these issues.
  • Develop processes and procedures that will help reduce errors and inconsistencies.
  • Perform follow-up on accounts as required.

Consumer Loan Underwriter Skills:

  • Extensive working knowledge of all aspects of the consumer credit report 
  • Knowledge of common credit underwriting standards and pitfalls
  • Extreme attention to detail


  • At least 2 years’ professional experience in a loan/credit underwriting role or 4 years’ experience as a Lead Processor
  • BS or BA degree, accepted.
  • MBA graduate, preferred.
  • Prior bank underwriting experience, desired.


M Force Staffing is an equal opportunity employer. All qualified applicants, including individuals with disabilities and protected veterans, are encouraged to apply. In addition to federal law requirements, M Force Staffing complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. M Force Staffing is an E-Verify Employer

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