Underwriter - Consumer Lending

Location: Phoenix, Arizona, United States

Company: Millennium Group

Job Type: Full-time

Posted: Feb 10, 2026

Application deadline: Apr 12, 2026

Source: ZipRecruiter

Real EstateCritical ThinkingData Analysis

Underwriter – Consumer Lending

We are seeking an experienced Underwriter to support Consumer Lending and Credit Card portfolios. This role is responsible for evaluating credit risk, analyzing complex application data, and making sound lending decisions within an advanced level of authority. The ideal candidate brings strong critical-thinking skills, deep underwriting experience, and the confidence to assess risk without step-by-step guidance.

Top Skills & Experience (in order of importance)

  • Consumer & Real Estate Lending / Underwriting
  • * 4+ years of consumer lending and/or real estate lending experience
  • At least 2 years of direct consumer and/or real estate underwriting experience
  • Credit Risk Assessment & Decisioning
  • * 3+ years of experience analyzing credit bureau data, application details, and member profiles to independently determine risk and lending decisions
  • Critical Thinking & Data Analysis
  • * 3+ years using analytical judgment to evaluate high-dollar secured and unsecured loans, identify exceptions, and mitigate credit risk

Key Responsibilities

  • Underwrite credit card and consumer loans of moderate risk within a defined authority level, ensuring compliance with all regulatory requirements
  • Validate credit, income, and supporting documentation using established procedures and underwriting guidelines
  • Ensure loan agreements are complete, accurate, and policy-compliant
  • Maintain a strong working knowledge of Consumer Lending and Credit Card portfolios and underwriting standards
  • Manage a high volume of loans due to advanced decisioning authority
  • Review member-provided documents for accuracy and alignment with company and industry standards
  • Communicate loan decisions clearly and document required provisions to complete the loan
  • Make lending decisions that most effectively mitigate credit risk

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