Senior Credit Underwriter - Small Business (Durham)

LCCU is hiring!

Your Contribution:

The Senior Credit Underwriter – Small Business is responsible for analyzing, underwriting, and managing a portfolio of small business loans. This role assesses borrower and guarantor creditworthiness; structures loans aligned with risk appetite and ensures compliance with internal policies and regulatory standards. The underwriter makes independent credit recommendations, identifies emerging portfolio risks, and partners with internal teams to support responsible growth and profitability.

As a vital member of the LCCU team, your responsibilities include the following:

• Analyze financial statements, tax returns, and cash flow projections to assess repayment capacity.
• Conduct comprehensive credit and risk analyses for small business applicants and guarantors.
• Prepare detailed and persuasive credit narratives with clear recommendations.
• Underwrite new, renewal, and modification requests within assigned authority levels.
• Review and verify supporting documentation, ensuring accuracy and compliance.
• Evaluate collateral adequacy, lien positions, and Uniform Commercial Code filings.
• Identify potential credit weaknesses and recommend risk mitigation strategies.
• Detect and prevent fraudulent applications through due diligence and verification.
• Collaborate with branches and regional staff to structure sound credit solutions.
• Monitor portfolio performance for covenant compliance and early warning signs.
• Ensure underwriting complies with policies, procedures, and regulatory requirements (e.g., ECOA, UDAAP, FCRA).
• Stay informed about market conditions and small business lending trends.
• Support internal audits, loan reviews, and risk rating assessments.
• Recommend process improvements to enhance underwriting quality and efficiency.
• Uphold high ethical standards and sound judgment in every credit decision.

Curious about joining our LCCU team? Here’s what you’ll need to bring along:

• Bachelor’s degree in finance, business, or related field.
• Minimum 5 years of experience in small business or mortgage lending, with at least 2 years of underwriting capacity.
• Strong understanding of underwriting principles, credit regulations, and loan structures.
• Advanced financial analysis and credit risk evaluation skills.
• Proficient in interpreting complex financial data and assessing collateral.
• Excellent written and verbal communication skills in English; Spanish proficiency is a plus.
• Highly organized, analytical, and capable of independent decision-making.
• Strong collaboration and relationship management abilities.
• Commitment to compliance with BSA, ECOA, UDAAP, FCRA, and related regulations.

LCCU is the perfect fit for you if:

• You are motivated to learn and grow into the best version of your professional and personal self.
• Your core values resonate with pursuing meaningful results to make a positive difference in your community.
• You thrive in an environment with team members who work from the heart. With employees from 20 different countries, we are a fun and multicultural team that comes together to embrace and learn from our differences. Organizational initiatives are constant.

What does LCCU have to offer you?

We provide a challenging and friendly work environment as well as a competitive salary and benefits package, including an employer-paid medical insurance plan, 401(k) plan (with a substantial company match), employer-paid life and disability plan, and generous paid time off to maintain a healthy work/life balance.

We foster a culture that incites creativity, encourages collaboration, and provides the opportunity for our employees to be their best and build their careers. Don’t wait! Come and experience the purpose that comes with being part of the movement towards a stronger, more inclusive community.

Apply Now!

To learn more about Latino Community Credit Union visit our webpage, www.latinoccu.org, and to view available opportunities, please visit the Careers section.

Latino Community Credit Union is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.