[Remote] Junior Consumer Lending Underwriter

Note: The job is a remote job and is open to candidates in USA. Pyramid Consulting, Inc is a leading company in the Banking, Financial Services, and Insurance Industry, and they are seeking a Junior Consumer Lending Underwriter. The role involves validating credit and income information to underwrite consumer loans while ensuring compliance with regulatory requirements.


Responsibilities

  • Utilizes established procedures and guidelines to validate credit, income, and other relevant information to underwrite lower risk credit card and consumer loans within a lower defined limit of authority and to ensure compliance with all regulatory requirements
  • Reviews member-provided documents for accuracy and alignment with company and industry standards
  • Documents loan decisions and required provisions necessary to complete the loan and communicates the decision
  • Maintains developing knowledge of all aspects of Consumer Lending and Credit Card portfolio and underwriting guidelines
  • Ensures loan agreements are complete, accurate, and in compliance with policy
  • Completes loan decisions that most effectively mitigate credit risks for the client
  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures
  • It is extremely important that the candidates have experience with assessing risk based on application information, credit bureau information, and the client's Membership Profile
  • They will need critical thinking skills and the ability to determine the level of risk and make a decision accordingly, without it being spelled out within processes and/or procedures

Skills

  • Underwriting
  • Consumer loan or real estate lending or home loan or credit cards
  • Credit reports
  • 2 years of consumer lending and/or real estate lending experience with an understanding of underwriting
  • Knowledge of consumer loan and credit card processes, data analysis tools, and underwriting guidelines
  • Successful completion of a job-related assessment and certification to obtain lending authority is required upon completion of training
  • Ability to analyze Credit Bureau Reports to assess risk and make informed loan decisions
  • Ability to use established procedures and guidelines to validate creditworthiness, income, and other relevant data
  • Ability to assess risk and determine appropriate loan decisions
  • Experience with Loan Origination System (LOS)

Benefits

  • Health insurance (medical, dental, vision)
  • 401(k) plan
  • Paid sick leave (depending on work location)

Company Overview

  • Pyramid Consulting, a global leader in workforce and technology solutions, empowers individuals and organizations to transform and thrive in the most challenging and competitive markets. It was founded in 1996, and is headquartered in Alpharetta, Georgia, USA, with a workforce of 5001-10000 employees. Its website is

    • Company H1B Sponsorship

  • Pyramid Consulting, Inc has a track record of offering H1B sponsorships, with 178 in 2025, 112 in 2024, 95 in 2023, 62 in 2022, 50 in 2021, 117 in 2020. Please note that this does not guarantee sponsorship for this specific role.

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