Consumer Loan Underwriter II

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we’re proud of our history, we’re even more excited about our future. With business and technology transformation on the horizon, there’s never been a better time to be part of BECU. PAY RANGE The Target Pay Range for this position is $38.56-$47.02 hourly. The full Pay Range is $30.00-$55.63 hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS – because people helping people starts with supporting you 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match IMPACT YOU’LL MAKE: As a Consumer Loan Underwriter II, you play a key role in helping members achieve their financial goals by making thoughtful, informed lending decisions. You’ll work across multiple channels—including dealership partners and real estate-secured products—to evaluate complex applications with care and precision. Your expertise will help ensure each member receives fair, timely, and well-structured lending solutions, while also supporting the continued strength and integrity of BECU’s lending portfolio. In this role, your voice matters—you’ll influence decisions, improve processes, and directly contribute to meaningful financial outcomes for our members. Note: This role requires working multiple shifts on PST time including closing shift, working weekends and holidays. WHAT YOU’LL DO: Apply Lending Expertise: You bring a strong understanding of BECU’s loan policies, real estate lending practices, and applicable state and federal regulations to make informed decisions on a wide range of consumer loans. Evaluate Lending Decisions: You review applications and confidently approve, counteroffer, or decline loans and credit lines within your authority, ensuring alignment with guidelines and risk standards. Handle Exceptions Thoughtfully: You assess and decide on loan exception requests within your authority, using sound judgment while maintaining compliance—excluding appraisal-related exceptions. Deliver Timely Outcomes: You prioritize efficiency by reviewing applications promptly, clearly communicating decisions, and helping members understand options such as denials, counteroffers, or alternative solutions. Partner with Dealerships: You collaborate closely with indirect lending partners, providing responsive underwriting support while resolving dealer concerns with professionalism and care. Support Member Solutions: You identify member needs and explore opportunities for loan restructuring or alternative products, ensuring applications are complete and aligned with their financial goals. Analyze Complex Financials: You assess income and cash flow with accuracy, ensuring verification aligns with BECU guidelines, even in more complex or non-traditional situations. Provide Recommendations: You partner with leadership by escalating and recommending decisions on loans that fall outside your authority. Maintain Portfolio Quality: You help uphold strong lending standards by meeting portfolio quality benchmarks and reinforcing responsible lending practices. Act as a Trusted Escalation Point: You step in to support escalated member or dealer concerns, helping resolve issues efficiently and