121 Best loan Jobs in Plainfield, New Jersey (October 2025)

Affinity Federal Credit Union

Consumer Loans Underwriter

20 days ago

Basking Ridge

Job DescriptionIn order to continually provide our members with the highest level of service, Affinity FCU is seeking results oriented and service focused individual to join our consumer lending team. The Consumer Loan Underwriter is responsible for reviewing, analyzing and decisioning applications for consumer credit and building consumer relationships by cross selling Affinity’s products and services that fit their financial needs. Position is responsible for making lending decisions, that comply with internal policies and federal and state regulations. Successful candidate will educate current and prospective loan applicants on Affinity’s products and services; discuss loan decisions, terms, rates, and all loan/line options; Additional responsibilities include ensuring all documentation is presented before disbursement, keeping updated on all marketing promotions and consistently delivering best in class service to our members. The starting salary range for a new hire in this role is $60k to $65k. The wage/salary offered to a successful candidate will be dependent on several qualifying factors, including but not limited to: years of relevant experience, years of industry experience, education, etc. Evaluates consumer loan applications • Reviews credit requests and analyzes applications in accordance with Affinity’s policies, procedures, and guidelines,. Sets stipulations necessary to substantiate and complete loan request, evaluates all applicable documentation as required., • Makes lending decisions within established underwriting guidelines. Makes recommendations on loans in excess of authority., • Daily responsibility of monitoring the queue, the turnaround time, archiving applications, purging expired applications, notifying team members of updates as appropriate., • Issues counter offers on applications as needed, requesting additional income and/or co-applicant, • Follows up on applications, requests conditions needed for approval, etc., • Follows Regulation B guide to issue adverse actions on loan applications when necessary, • Builds and maintains member relationships., • Contacts members regarding their loan application decision and discusses member’s individual financial needs, • Cross-sells all Affinity’s products and services to satisfy member needs., • Handles branch and call center related questions concerning a members’ loan application., • Identifies and communicates member concerns to management., • Performs duties according to established department procedures and adheres to credit union policies, procedures and guidelines Processes all approved consumer loans • Finalizes terms of approved loan application; cross sells ancillary products, confirms due date and sends documents (when applicable)., • Ability to analyze and verify all sources of income; paystubs, tax returns, award letters, etc., • Ensures all necessary documentation is presented before finalization., • Minimum of 2 years consumer loan underwriting experience is required., • Minimum of 2 years of sales experience in a financial institution preferred., • Previous experience in credit scoring and automated processing preferred., • Strong organizational, technical, analytical and independent decision-making skills., • Experience with finance computations, lending calculators and general consumer loan applications. Affinity strives to maintain balance between our employees’ personal and professional responsibilities. All full-time employees receive a highly competitive and multi-faceted Total Rewards package including competitive pay, target incentive, full medical/dental/prescription coverage, 401(k) plan, profit sharing, and generous paid time off. Affinity employees are also eligible for discounts on products and services and earn paid time off for volunteering. In addition to these benefits, Affinity provides extensive educational and developmental opportunities as well as access to our formal Tuition Assistance Program. Affinity is committed to creating an inclusive culture and an employment experience that values diversity. Our culture is built on respect - one that recognizes and values the unique talents of everyone on the team. With a genuine commitment to diversity, we’ve created an environment where employees feel comfortable regardless of race, gender, religion, background, physical ability or sexual orientation. Explore career opportunities with Affinity and belong to something better. Please scroll down and read the Applicant Statement in its entirety. Applicant Statement I promise that all information I have supplied in this application and any other form, oral or written, is true and accurate, and I agree that any misstated, misleading, omitted, or false information will result in rejection of this application form, refusal to hire, withdrawal of an offer of employment, or immediate discharge without recourse, whenever and however discovered. I understand and agree that Affinity Federal Credit Union, any agent acting on its behalf, as well as any other person responding to a reference request pursuant to this application, can and will seek and/or disclose any and all information about me which said corporation, agent, or person may have. I specifically authorize said disclosure and agree to hold all such corporations, agents, or persons harmless. I understand and agree to the fact that Affinity Federal Credit Union maintains a drug-free workplace and that I will be required to undergo a drug urine screening check. I understand and agree to the fact that Affinity will also conduct a criminal history background and credit report check. I understand and agree that said pre-employment checks are designed to ascertain my suitability for employment. I specifically authorize said disclosure of this confidential information and agree to hold Affinity Federal Credit Union, its agents, managers, officers, and employees harmless from any and all liability in connection with the pre-employment screening/testing. Additionally, I agree to comply with all request for additional testing of any type and at anytime during my employment at Affinity Federal Credit Union. I understand that all employment offers are made contingent upon satisfactory proof of legal authorization to work in the United States according to the law. I understand that failure to provide satisfactory proof of identity and authorization to work in the United States will disqualify me from employment. If hired, I agree to abide by the terms and conditions of all Affinity Federal Credit Union policies and procedures. I understand I will not be employed, or my employment will be terminated, if I am or have been convicted of a criminal offense involving dishonesty, breach of trust or money laundering, or if I admit, plead guilty or nolo contender, or have to such an offense or if I agree or have agreed to enter into a pretrial diversion or similar program in connection with a prosecution such an offense. I understand and agree that my employment will be at will and that I or Affinity Federal Credit Union may terminate this employment relationship at any time, with or without notice, for any or no reason, without recourse by either of us. I also understand that oral representations to the contrary do not change the fact that both the Company and I maintain free to end the work relationship for any or no reason. I further understand that any changes in this employment relationship must be made in writing. I acknowledge that at anytime during my employment with Affinity Federal Credit Union, the hours and/or days that I am expected to work may be changed to accommodate the needs of the business. In addition, I am also expected to work at various Affinity Federal Credit Union locations. I acknowledge that I have been advised that Affinity Federal Credit Union is an Equal Opportunity Employer and that Affinity Federal Credit Union administers its employment policies in a nondiscriminatory manner. I specifically authorize Affinity Federal Credit Union to investigate my background, including any and all references, and prior employers, consistent with the position for which I am applying, and release and hold Affinity Federal Credit Union harmless for any and all liabilities arising out of its investigation of my application for employment. I authorize the Company, in its sole discretion, to supply my employment record to any prospective employer, government agency, or other party with an interest that the company deems appropriate. I understand that this application is not a contract of employment. If you agree to this disclaimer, you authorize the Company to process the application in accordance with the Company’s established hiring practices. By completing this online application for employment opportunities at Affinity Federal Credit Union, I acknowledge reading, understanding and agreement of the Applicant Statement. Affinity is an Equal Opportunity Employer.

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