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Robert Half Logo Robert Half · Banking

Consumer Lending Underwriter

United States, Littleton · Job Posted January 24, 2026
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Job Description

We are looking for a Temporary Consumer Lending Underwriter to join our team . As part of the banking industry, this contract position offers an opportunity to evaluate and manage consumer loan applications while ensuring compliance with regulations and internal policies. If you have a strong background in credit analysis and lending, we encourage you to apply.

Job Responsibility

  • Conduct thorough assessments of credit reports, scores, and borrower financial behavior
  • Evaluate income stability, employment history, and debt-to-income ratios to determine loan eligibility
  • Analyze financial documents, including paystubs, tax returns, and bank statements, for accuracy and completeness
  • Make informed decisions on loan applications, including approvals, declines, or counteroffers
  • Utilize both automated underwriting systems and manual judgment to ensure sound credit decisions
  • Document reasoning behind credit decisions clearly and comprehensively
  • Ensure compliance with regulatory requirements such as the Truth in Lending Act, Equal Credit Opportunity Act, and Fair Credit Reporting Act
  • Apply internal credit policies and guidelines established by investors and partners
  • Identify and address potential fraud risks, verifying borrower identity and authenticity of submitted documents
  • Collaborate with loan processors, sales teams, and risk management to facilitate smooth communication and decision-making

Requirements

  • Minimum of 2 years of experience in consumer loan underwriting or a related field
  • Strong knowledge of consumer lending practices and credit risk management
  • Proficiency in analyzing financial data and assessing creditworthiness
  • Familiarity with banking compliance regulations and industry standards
  • Excellent attention to detail and ability to identify inconsistencies
  • Effective communication skills for explaining decisions and requesting documentation
  • Ability to use automated underwriting systems alongside manual judgment
  • Solid understanding of fraud detection and identity verification processes

What we offer

  • medical
  • vision
  • dental
  • life and disability insurance
  • company 401(k) plan
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