Job Description

About Mainstreet Credit Union

Why Work for Mainstreet Credit Union?

Mainstreet Credit Union has consistently provided stability for employees and members over the span of more than 70 years. Not to mention, Mainstreet Credit Union aims to be the financial home to every member. We continue to strive for a welcoming culture, where our employees are knowledgeable, helpful, and accountable for their position within the team. To achieve this vision, we provide continued training and development opportunities, as well as a friendly environment where members and employees can feel at home. Being a not-for-profit organization, we keep business simple and real. We enjoy sharing in our community, and we always find the most effective way to serve our members and provide full pay and benefits for our employees, even through uncertain times.


In addition to our friendly and welcoming environment, we offer our employees:

Day-time hours that provide for a healthy work-life balance Three weeks of PTO in the first year with a generous annual PTO carryover plan A wide variety of insurance options for health, dental, and vision 401k with company match Company provided life insurance and long-term disability Special product perks for employee

Position Overview

The Loan Underwriter functions as a senior loan officer to underwrite consumer loan and Indirect applications.

Major Responsibilities

1. Helps to manage indirect lending relationships.


2. Funds indirect loan contracts.


3. Assists VP of Consumer Lending to generate increased loan volume system wide.


4. Assists in cross selling products and services.


5. Review and make decisions as appropriate on consumer loan applications.


6. Facilitate loan growth while maintaining safety and soundness within the loan portfolio.


7. Work with lending staff throughout the CU system to promote the generation of loans.


8. Fund indirect contracts and remit proceeds accurately to dealers.


9. Perform file review for quality control.


10. Provide business development of indirect loans by building partnerships through in- person sales calls and telephone interaction.


11. Performs other duties as assigned.

Required Qualifications

High school diploma or equivalent required. Five (5) years' experience underwriting consumer loans and two (2) years' experience working with indirect dealers required. Time management skills. Proper business and personal etiquette. Negotiating/problem solving skills. Develop and display pride in work. Good judgment skills. Personal Computer and programs relevant to position. Use of 10-Key, typewriter, facsimile machine, and other office equipment.

Physical Requirements

* Regularly required to talk and hear. Frequently required to stand, sit, walk, use hands to finger, handle or feel; and reach with hands and arms.