Industry:
Financial Services Contract term:
12 months – potential to extend Location:
Phoenix, AZ – hybrid Onsite requirement:
4 days on site, 1 day remote Rate:
up to $26/hr.
About The Role Our Financial Services client is seeking an experienced Consumer & Real Estate Underwriter to support underwriting decisions for credit card and consumer loan products. This role requires strong analytical ability, excellent judgment, and experience assessing credit risk using credit bureau data, application information, and customer profiles. You will play a key part in ensuring accurate, compliant, and well‑documented lending decisions within established authority limits.
Key Responsibilities
Interview loan applicants to gather financial and background information.
Investigate applicants’ credit, income, and references; prepare loan request packages for review.
Validate credit, income, and supporting documents to underwrite consumer loans and credit card products of moderate to high risk.
Analyze Credit Bureau Reports and other documentation to assess risk using strong critical thinking and decision‑making skills.
Review loan papers and ensure application files are complete, accurate, and compliant with regulatory and internal requirements.
Document underwriting decisions clearly, including rationale, conditions, and necessary provisions.
Collaborate with internal partners to complete the loan process efficiently.
Provide insights, feedback, and support to peers; contribute to process and system improvement initiatives.
Maintain up‑to‑date knowledge of consumer lending guidelines, credit card portfolios, underwriting policies, and risk controls.
Review applicant‑provided documents to ensure alignment with industry standards.
Manage a high volume of loan files, leveraging advanced lending authority as assigned.
Ensure business activities comply with all applicable risk, regulatory, and company policies.
Required Qualifications (Must‑Haves)
4+ years of consumer and/or real estate lending experience
2+ years of consumer or real estate underwriting.
Strong knowledge of consumer loan processes, underwriting guidelines, industry standards, and data analysis tools.
Successful completion of a job‑related assessment and certification required after training to obtain lending authority.
Required Technology Experience
Credit Bureau Reports (tri‑merge reports, credit scoring models, adverse item analysis)
Loan Origination Systems (LOS)
Daily Use of Technology Tools
Review and interpret Credit Bureau Reports to determine creditworthiness and identify risk indicators.
Use LOS systems to review, track, and decide loan applications.
Assess risk using both system‑generated data and manual evaluation of application documentation.
Ideal Candidate Profile The ideal candidate is an experienced underwriter who is comfortable making independent, judgment‑based decisions—especially on high‑dollar secured and unsecured loans. They should be adept at evaluating exceptions, identifying risk patterns, and applying strong analytical skills when processes do not spell out every scenario. Critical thinking, accuracy, and clarity in documentation are essential.
EEO Employer Apex Systems is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of race, color, religion, creed, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), age, sexual orientation, gender identity, national origin, ancestry, citizenship, genetic information, registered domestic partner status, marital status, disability, status as a crime victim, protected veteran status, political affiliation, union membership, or any other characteristic protected by law. Apex will consider qualified applicants with criminal histories in a manner consistent with the requirements of applicable law.
Apex Benefits Overview Apex offers a range of supplemental benefits, including medical, dental, vision, life, disability, and other insurance plans; an employee stock purchase program (ESPP) and a 401(k) match after 12 months; a Health Savings Account (HSA) on the HDHP plan; and an Employee Assistance Program (EAP) with up to 8 free counseling sessions.
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Financial Services Contract term:
12 months – potential to extend Location:
Phoenix, AZ – hybrid Onsite requirement:
4 days on site, 1 day remote Rate:
up to $26/hr.
About The Role Our Financial Services client is seeking an experienced Consumer & Real Estate Underwriter to support underwriting decisions for credit card and consumer loan products. This role requires strong analytical ability, excellent judgment, and experience assessing credit risk using credit bureau data, application information, and customer profiles. You will play a key part in ensuring accurate, compliant, and well‑documented lending decisions within established authority limits.
Key Responsibilities
Interview loan applicants to gather financial and background information.
Investigate applicants’ credit, income, and references; prepare loan request packages for review.
Validate credit, income, and supporting documents to underwrite consumer loans and credit card products of moderate to high risk.
Analyze Credit Bureau Reports and other documentation to assess risk using strong critical thinking and decision‑making skills.
Review loan papers and ensure application files are complete, accurate, and compliant with regulatory and internal requirements.
Document underwriting decisions clearly, including rationale, conditions, and necessary provisions.
Collaborate with internal partners to complete the loan process efficiently.
Provide insights, feedback, and support to peers; contribute to process and system improvement initiatives.
Maintain up‑to‑date knowledge of consumer lending guidelines, credit card portfolios, underwriting policies, and risk controls.
Review applicant‑provided documents to ensure alignment with industry standards.
Manage a high volume of loan files, leveraging advanced lending authority as assigned.
Ensure business activities comply with all applicable risk, regulatory, and company policies.
Required Qualifications (Must‑Haves)
4+ years of consumer and/or real estate lending experience
2+ years of consumer or real estate underwriting.
Strong knowledge of consumer loan processes, underwriting guidelines, industry standards, and data analysis tools.
Successful completion of a job‑related assessment and certification required after training to obtain lending authority.
Required Technology Experience
Credit Bureau Reports (tri‑merge reports, credit scoring models, adverse item analysis)
Loan Origination Systems (LOS)
Daily Use of Technology Tools
Review and interpret Credit Bureau Reports to determine creditworthiness and identify risk indicators.
Use LOS systems to review, track, and decide loan applications.
Assess risk using both system‑generated data and manual evaluation of application documentation.
Ideal Candidate Profile The ideal candidate is an experienced underwriter who is comfortable making independent, judgment‑based decisions—especially on high‑dollar secured and unsecured loans. They should be adept at evaluating exceptions, identifying risk patterns, and applying strong analytical skills when processes do not spell out every scenario. Critical thinking, accuracy, and clarity in documentation are essential.
EEO Employer Apex Systems is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of race, color, religion, creed, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), age, sexual orientation, gender identity, national origin, ancestry, citizenship, genetic information, registered domestic partner status, marital status, disability, status as a crime victim, protected veteran status, political affiliation, union membership, or any other characteristic protected by law. Apex will consider qualified applicants with criminal histories in a manner consistent with the requirements of applicable law.
Apex Benefits Overview Apex offers a range of supplemental benefits, including medical, dental, vision, life, disability, and other insurance plans; an employee stock purchase program (ESPP) and a 401(k) match after 12 months; a Health Savings Account (HSA) on the HDHP plan; and an Employee Assistance Program (EAP) with up to 8 free counseling sessions.
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