Job Description

STRATEGIC STAFFING SOLUTIONS HAS AN OPENING!

This is a Contract Opportunity with our company that MUST be worked on a W2 Only. No C2C eligibility for this position. Visa Sponsorship is Available! The details are below.

“Beware of scams. S3 never asks for money during its onboarding process.”

Job Title: Consumer Loan Underwriter

Contract Length: 12 + Month contract

Location: Phoenix AZ 85085

On Site Work

Job ref# 245059

We are seeking an experienced Consumer Loan Underwriter responsible for evaluating loan applications, assessing credit risk, and making sound lending decisions within an established authority level. This role requires strong analytical ability, critical thinking, and deep knowledge of consumer lending practices to ensure compliance with regulatory standards while supporting efficient loan processing.

The ideal candidate will have proven experience underwriting moderate-risk consumer loans, reviewing credit documentation, and managing a high-volume pipeline with accuracy and attention to detail.

Key Responsibilities

• Interview loan applicants to gather financial and background information.
• Investigate applicant histories, verify references, and analyze supporting documentation.
• Prepare loan request packages and forward findings, reports, and documentation for appraisal review.
• Review loan files for completeness and accuracy prior to approval.
• Facilitate transactions between lending parties, borrowers, and sellers once loans are approved.
• Validate credit, income, and additional financial data in accordance with regulatory and internal compliance requirements.
• Underwrite credit card and consumer loan applications within defined authority limits.
• Document loan decisions, required conditions, and communicate outcomes clearly to stakeholders.
• Research and develop detailed application synopses to support decision clarity.
• Serve as a resource to peers and business partners regarding underwriting guidelines and processes.
• Provide insights on process improvements and system enhancements when applicable.
• Maintain a strong understanding of consumer lending portfolios, credit card products, and underwriting standards.
• Identify, measure, monitor, and control risks associated with lending activities.
• Ensure all loan agreements are complete, accurate, and compliant with policy and regulatory expectations.

Required Experience

• 4+ years of consumer lending and/or real estate lending experience.
• At least 2 years of underwriting experience within consumer or real estate lending.
• Demonstrated ability to assess risk using application data, credit bureau reports, and membership/profile information.
• Experience underwriting high-dollar loans, including both secured and unsecured products.
• Proven ability to evaluate policy exceptions and make independent lending decisions.

Core Competencies

• Strong risk assessment and critical thinking skills.
• Advanced knowledge of consumer loan processes and industry practices.
• High attention to detail with strong documentation skills.
• Ability to manage a high-volume workload while maintaining accuracy.
• Sound judgment with the confidence to make decisions without step-by-step procedural direction.

Required Technology Skills

• Credit Bureau Reporting tools
• Loan Origination Systems (LOS)
• Data analysis tools related to lending decisions

Additional Requirements

• Successful completion of a job-related assessment.
• Ability to obtain lending authority certification upon completion of training.