Skip to content
CV Rocket
Get started
How it worksThe enginePricingBlogContactSign in

Open nowPosted 130 days ago

Senior Consumer Loan Underwriter Professional (Centralized Lending)

Hawaii State Federal Credit Union22 open roles

Pay
$70,600 – $90,825 a year
Where
HSFCU Headquarters, 333 Queen Street, Honolulu, Hawaii, United States of America
Get the CV for this job

From $25 per CV, paid once. No subscription.

Your applicationOpen nowSenior Consumer Loan Underwriter Professional (Centralized Lending)Hawaii State Federal Credit Union · HSFCU Headquarters, 333 Queen Street, Honolulu, Hawaii, United States of America

  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

  3. 25 readersRecruiter, hiring manager, skeptic. Round after round.

  4. CV RocketApplied on Hawaii State Federal Credit Union's own form.

The reply lands in your private mailbox

3×more interviews than doing it yourself with ChatGPT.

The clock on this job

Early applications get read.

12.9% of postings close within 7 days. Measured by our own scanner across the market. Hawaii State Federal Credit Union postings stay open a median of 19 days.

Share of postings closed within
  1. 2.2%1 day
  2. 4.7%3 days
  3. 12.9%7 days
  4. 21.0%14 days
  5. 35.6%30 days
  6. 58.5%60 days
This job: posted 130 days ago

Hawaii State Federal Credit Union median: 19 days open

The posting

Position Summary The Senior Consumer Loan Underwriter Professional (Centralized Lending) is an opportunity to contribute to a cross-functional and agile team, validating and facilitating high-volume loan requests. As the Senior Underwriter, you are 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. This role performs all underwriting duties without face-to-face contact and identifies, analyzes, and evaluates loan risks and compensating factors, and ensures the marketability of closed loans and the safety of credit union assets. You'll be responsible to approve, suspend, or deny loan applications, ensuring that members and prospective members are promptly and professionally served by working with the Loan Coordinator Associates, branch lenders, or vendors (for Indirect Lending). The Senior Consumer Loan Underwriter Professional (Centralized Lending) ensures loans are approved within the terms of the credit union’s standards and procedures and regulatory underwriting guidelines. As a Senior Underwriter, you will also help provide support, guiding front-line Loan Personnel and making recommendations. Please note: This position is located at the HSFCU Headquarters in Downtown Honolulu, and requires National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008. As such, upon active employment with HSFCU, you will be required to register on NMLS or move your previous registration to HSFCU registration rolls. Employment in this position at HSFCU is contingent upon successful registration immediately after your start date, and annual renewal of your registration thereafter.

Base Annual Salary Range: $70,600 - $90,825 per year The posted range reflects the anticipated base pay for this position, with final compensation determined based on experience, skills, and internal equity. Essential Duties:

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.

Minimum Qualifications and Experience

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.

Preferred Qualifications and Experience

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.).

Overview:

Find your happy place. Hawaii State Federal Credit Union is more than a bank, and not just another credit union. We’re a place where “Always Right By You” isn’t just a tagline to those we serve, but a promise to our employees, who enjoy generous benefits, opportunities for career advancement and a healthy work-life balance. As an employee, you will be part of a team that values trust, encouragement, and the holistic experience of working together. HSFCU offers a dynamic and supportive work environment where employees can enjoy competitive compensation and one of the best benefits packages in the business.

Benefits:

Competitive Compensation: HSFCU offers competitive pay, merit increases, and incentives. Health Coverage: We've got you covered: full-time employees receive 100% coverage for medical and dental premiums, plus 50% towards covering your family members. Pre-tax deductions for your Flexible Spending Plan can be added on as early as 6 months in. Paid Time Off: Enjoy 13 paid holidays each year, plus Election Day and up to 2 full days off for Community Service. Your hard work is rewarded with an increase in PTO accrual with every year you're employed. Retirement Savings: Contribute to a 401(k) plan with up to 10% employer contributions including a 6% match and profit sharing after your first year. Transportation Subsidy: We make your daily commute stress-free. Receive 100% bus pass reimbursement or up to $100 subsidy towards parking and Pre-Tax deductions. Health & Wellness: Access to wellness fairs, flu shot clinics, and on-site fitness centers. Additional Benefits: Flexible spending plans, credit union discounts, life, accident, and disability insurance. Growth Opportunities: HSFCU invests in employee development through in-person and online training programs, workshops, career development assistance, and tuition assistance. Employees are encouraged to further their education and unlock new opportunities. Work Environment: HSFCU’s modern headquarters prioritize a balance between wellness and productivity, offering a variety of amenities. The culture is inclusive, with a focus on teamwork and community, often described as an 'ohana' or family atmosphere. Employee Testimonials: Employees appreciate the supportive environment where everyone’s voice is heard and valued. The credit union has been recognized as one of Hawaii’s best places to work for over 15 years.

From $25, paid onceGet the CV for this job

What happens when you press

One press. We do the rest.

  1. A CV for this posting

    Written against Hawaii State Federal Credit Union's own wording, from every piece of relevant proof in your profile.

  2. 25 readers review it

    Recruiter, hiring manager, skeptic and more read every draft, round after round. You get the best round.

    The review screen in CV Rocket: how each CV was read, round by round.

  3. We apply on Hawaii State Federal Credit Union's form

    Our application engine gets through the hardest forms there are. Where a question needs you, AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

    An application in CV Rocket: every answer filled in on the employer's form.

  4. Every reply, sorted

    Hawaii State Federal Credit Union's answer lands in your private mailbox, and we classify it on arrival: interview, question, rejection.

    The CV Rocket inbox: each employer reply classified as an interview, an action or a rejection.

  5. Reply with AI

    AI helps you write the email, checks it and sends it. We show you whether the recruiter read it.

  6. The interview in your calendar

    Full integration with your calendar. The invitation goes straight in.

    An interview invitation in the CV Rocket inbox, added to the candidate's calendar.
Get the CV for this job

From $25 per CV, paid once. No subscription.

Why it works

3×

more interviews than doing it yourself with ChatGPT.

ChatGPT writes a CV and never learns what happened to it. We see every reply. For each CV we know:

  • How it was written, and how the review scored it
  • When we applied, and how long after the posting went up
  • Which posting, which company, which city
  • Who got the interview, and who heard nothing

That is how we know which CVs get called.

Get the CV for this job

From $25 per CV, paid once. No subscription.

The numbers game

More applications. More interviews.

Every application goes out with its own CV, written for that posting and paid once. Send enough of them and the law of large numbers finds you the job.

Get the CV for this job
By hand5–10
With CV Rocket100
applications a day

Nearby

Live postings like this one

Same employer first, then the same role elsewhere.

Before you press

Straight answers

Get the CV for this job

From $25 per CV, paid once. No subscription.

What if my background isn't good enough?

We make the most of the background you have. The CV uses every piece of relevant proof your profile holds, and one of the 25 readers reads your whole profile and flags what the CV left out.

Do you really apply for me?

Yes, on the employer's own form, the hardest ones included. Where a question needs you, you answer it right there and AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

Is it a subscription?

No. You pay once per CV, from $25. Every application goes out with its own CV, written for that posting.

One job. One CV.
Paid once.

Pick the posting you want. We write for it, apply for you and catch the reply.

Get the CV for this job

From $25 per CV, paid once. No subscription.