Job Description

Arizona Central Credit Union Ranked #2 in Top 10 Credit Unions in AZ for 2026
"Ranking Arizona: Top 10 credit unions for 2026"  AZBIGMEDIA

Arizona Central Credit Union offers a comprehensive benefits package, including medical, dental, vision, 401k with up to 6% match, an employee assistance program, and much more.

This position will be responsible for working closely with Indirect lending staff to make credit decisions based on credit union lending policies.

 
Summary of Job Functions and Responsibilities:

• Responsible for reviewing, analyzing, and underwriting indirect loan applications including retail and third-party referrals
• Act as the expert in all areas related to Credit Union Dealer Lending (CUDL)
• Expert underwriter: review credit applications, credit reports, calculate applicable ratios (i.e. Debt ratios, loan-to-value) evaluate borrower circumstances and determine loan decision based on policies and guidelines
• Analyze current financial position of member to determine the degree of risk involved in extending credit within policy or make a recommendation to credit committee
• Follow set procedures when booking loans in the core system, disbursing loan proceeds, ensuring daily funded totals are in balance
• Foster a positive productive role towards building relationships with dealers and other third parties, in person and on the phone
• Participate in quality control of loan files, verify accuracy of documentation, and assist funding with collecting pending conditional items as needed.
• Underwrite and be onsite as needed for special dealer events, possibly weekend events on occasion
• Establish the terms and conditions of an approved or counter offered loan request.
• Underwrite other consumer loan applications for branches and consumer lending department as needed
• Authorizes release of collateral on existing loans, changes in loan terms, waivers of payments, due date change, etc.
• Audit, review, or prepare reports as delegated by Manager or VP of Lending

Employee may be asked to perform other job duties as assigned, nothing in this job description shall restrict management's right to assign or reassign duties and responsibilities to this job at any time.

Hours, Skills and Abilities:

• Monday - Friday 9:00am - 5:30pm, some weekends and holidays
• Remote work is available  after 30 days (Hybrid) .
• Frequent travel to auto dealerships to build and maintain relationships is require

• Must have knowledge of consumer lending processes.
• Proven ability to make sound decisions and work under pressure is required.
• Must have sound and consistent judgment and decision making abilities.
• Must have strong analytical skills, the ability to work directly with dealers under required time demands and pressure

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