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Senior Consumer Loan Underwriter Professional (Centralized Lending)

September 24, 2026

About the position

Responsible for reviewing and underwriting all consumer loan products including home equity loans originated online, in branch, or via the centralized lending branch support process. Performs all underwriting duties without face-to-face contact. Identifies, analyzes, and evaluates loan risks and compensating factors, and ensures the marketability of closed loans and the safety of credit union assets. Approves, suspends, or denies loan applications. Ensures members and prospective members are promptly and professionally served by working with the Loan Coordinator Associates, branch lenders, or vendors (for Indirect Lending). Ensures loans are approved within the terms of the credit union’s standards and procedures and regulatory underwriting guidelines. Provides support to Loan Personnel. This position requires National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008. As such, upon active employment with Hawaii State Federal Credit Union, you will be required to either register on NMLS or re-register and move your previous registration to Hawaii State Federal Credit Union registration rolls. Your continued employment in this position with Hawaii State Federal Credit Union is contingent upon successful registration immediately after your start date and annual renewal of your registration thereafter. In addition, information obtained during the registration process may impact your employment with Hawaii State Federal Credit Union.

Responsibilities

Executes established operational goals and ensures corporate wide plans and programs are complemented and supported.
Ensures that all department functions are performed in accordance with established credit union policies and procedures and governmental regulations.
Resolves moderately complex issues, compares alternative solutions and decides on appropriate approach.
Evaluates and assesses the capacity and collateral of consumer including home equity loans.
Evaluates applicant’s employment history. Ensures the probability of continued employment is good. Verifies employment history. Assesses overtime, bonuses, and commissions used to qualify.
Analyzes tax returns and balance sheets of shelf-employed applicants.
Evaluates the adequacy of the applicant’s income and the probability the member will be able to meet expected financial obligations. Assesses family support requirements.
Compares previous housing expenses with proposed expenses. Examines income trends and determines possibilities for increased income in future years.
Reviews borrower’s credit. Reviews the manner in which obligations have been met and financial affairs managed. Investigates derogatory credit.
Ensures all previous mortgage histories are rated and all debts are appropriately listed.
Completes all underwriting functions in accordance with various credit union program requirements and related legal and regulatory requirements.

Requirements

4-6 years of related experience in Loan Underwriting.
Knowledge of consumer and home equity lending practices.
Strong math abilities, analytical, and financial skills.
Working knowledge of computer applications including Windows, File Explorer, Outlook, Microsoft Word and Excel.
Ability to adapt to changes in work environment or work process.
Able to work efficiently and in an organized manner.
Understanding of related legal and regulatory standards, and required loan documentation.
Bachelor’s degree or equivalent experience.
National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008.

Nice-to-haves

Bachelor's degree in Business or related field.
Prior work experience in a credit union or financial institution.
Familiarity with loan origination systems (LOS) and underwriting platforms (e.g., MeridianLink, Origence, etc.).

Benefits

Competitive Compensation
Merit increases
Incentives
100% coverage for medical and dental premiums for full-time employees
50% coverage towards family members' medical and dental premiums
Pre-tax deductions for Flexible Spending Plan
13 paid holidays each year
Election Day off
Up to 2 full days off for Community Service
Increase in PTO accrual with every year employed
401(k) plan
Up to 10% employer contributions to 401(k)
6% employer match to 401(k)
Profit sharing after first year
100% bus pass reimbursement
Up to \$100 subsidy towards parking
Pre-Tax deductions for transportation
Wellness fairs
Flu shot clinics
On-site fitness centers
Flexible spending plans
Credit union discounts
Life insurance
Accident insurance
Disability insurance
In-person training programs
Online training programs
Workshops
Career development assistance
Tuition assistance

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

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When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

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With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

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Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

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Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

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The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

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This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...