Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs. The Opportunity As a dedicated Consumer Underwriter I, you will, within defined guidelines and framework, review and underwrite consumer loan and credit card applications. Apply understanding of established written risks and compliance policies, guidelines, and procedures and regulatory requirements when evaluating loan attributes. This role is remote eligible in the continental U.S. with occasional business travel. What you'll do: Utilize established procedures and guidelines to validate credit, income, and other relevant information to underwrite credit card and consumer loans of moderate risk within a defined limit of authority and to ensure compliance with all regulatory requirements. Ensure loan agreements are complete, accurate, and in compliance with policy. Research, develop, and document detailed synopsis of the application files to ensure decision clarity while providing feedback and serving as a resource to peers and business partners. May provide insight on projects relating to process and system enhancements. Maintain proficient understanding of all aspects of Consumer Lending and Credit Card portfolio and underwriting guidelines. Utilize prior relevant underwriting experience to make lending decisions with an advanced level of authority. Manage a high volume of credit card and consumer loans due to higher level of decisioning authority. Review member provided documents for accuracy and alignment with company and industry standards. Document loan decisions and required provisions necessary to complete the loan and communicate the decision. Complete loan decisions which most effectively mitigate credit risks for USAA. Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree; OR 4 years of relevant education and/or experience. 4 years of consumer lending and/or real estate lending experience with at least 2 years of consumer lending and/or real estate underwriting experience. Proficient knowledge of consumer loan processes, data analysis tools, and industry acumen. Successful completion of a job-related assessment and certification to obtain lending authority is required upon completion of training. Knowledge of federal laws, rules, regulations, and applicable guidance to include: TILA/REG Z, REG B, UDAAP/UDAP, FCRA, BSA/AML, SCRA/MLA, OCC Heightened Standards. What sets you apart: Recent Consumer Underwriting experience within the last 6 months US military experience gained through military service or gained as a military spouse / domestic partner Compensation range: The salary range for this position is: $63,590 - $121,530. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.