Job Description

Underwriter 

Location: 4 weeks On-Site Training (Phoenix, AZ) (100% Remote after 4 weeks of training on-site)
Duration: 12 Months
Pay Rate:$25/hr

Position Overview

The Underwriter I is responsible for evaluating credit card and consumer loan applications by analyzing applicant information, credit bureau data, and membership profiles to assess risk and make sound lending decisions within a defined authority limit.

This role requires prior experience underwriting credit cards and unsecured/consumer lending products, along with strong independent judgment and risk assessment capabilities.

Key Responsibilities

• Interview loan applicants to obtain relevant financial and personal information

• Review and underwrite credit card and consumer loan applications

• Validate credit, income, and supporting documentation

• Analyze credit bureau reports and full loan application packages

• Underwrite lower-risk credit card and consumer loans within assigned authority limits

• Document loan decisions and required stipulations

• Ensure compliance with underwriting guidelines and regulatory standards

• Identify and mitigate credit risk in accordance with policy

Required Experience

Top Skills (In Order of Importance)

1. Credit Card & Consumer Loan Underwriting Experience – 2+ Years (Required)

   • Direct experience underwriting credit card products and unsecured/consumer loans

   • Strong understanding of credit risk evaluation

2. Risk Assessment & Critical Thinking – 2+ Years

   • Ability to independently assess risk using application data, credit bureau reports, and USAA Membership Profile

   • Comfortable making decisions within defined lending authority

3. Knowledge of Consumer Loan Processes & Industry Acumen – 2+ Years

   • Understanding of credit card and consumer lending lifecycle

   • Familiarity with compliance and regulatory requirements

Required Technology Experience

• Credit Bureau Reports

• Loan Origination Systems (LOS)
  
  * 4 weeks of on-site training is required. 100% Remote only after training is complete