{"id":3366603,"url":"https://alion.io/job/wintrust-financial-consumer-loan-underwriter-2","title":"Consumer Loan Underwriter","company":{"id":6066,"name":"Wintrust Financial","domain":"wintrust.com","url":"https://alion.io/company/wintrust","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":{"grade":"B","score":80,"open_postings":36,"ghost_share":0,"stale_share":0.778,"repost_share":0.028,"time_to_fill_p50_days":32,"computed_at":"2026-10-28T05:59:10Z"}},"role":"Finance","role_family":"Finance","seniority":"middle","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Rosemont, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":59000,"max":90000,"currency":"USD","period":"year","gross":null,"usd_annual":90000},"salary_estimate":null,"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":true,"technologies":[],"status":"live","first_seen_at":"2026-10-27T23:23:18Z","employer_posted_date":"2026-10-27","last_verified_at":"2026-10-28T05:02:56Z","board_verified":true,"closed_at":null,"days_open":0,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":0},"description":"Wintrust provides community and commercial banking, specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused,personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under the symbol “WTFC.”\nWhy join us?\nAn award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 12 years) and Employee Recommended award by the Globe & Mail (past 6 years)\n\nCompetitive pay and discretionary or incentive bonus eligible\n\nComprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few\n\nFamily-friendly work hours\n\nPromote from within culture\n\nWhy join this team?\nGreat opportunity to work in a small business lending segment\n\nOpportunity to create value by providing your innovative ideas\n\nYou come to join focused, highly collaborative team at a great company\n\nPosition Summary\nThe Consumer Loan Underwriter is responsible for processing applications, underwriting loans, and recommending loan decisions based on established credit policies, procedures, and regulatory requirements. This role ensures sound lending decision while balancing risk, compliance, and customer experience. Underwriter is responsible to resolve any discrepancies or issues identified in file, in a timely and professional manner in order to be able to determine loan decision. This individual must possess excellent organization skills, problem solving skills, and must be able to work in a fast-paced environment.\nWhat You’ll Do\nVerify accuracy and completeness of application information and supporting documents (all required signatures obtained, financial information received, collateral qualifies, purpose of the loan is permissible, insurance received, etc.)\n\nComplete all required due diligence that consists of but is not limited to: fraud, BSA and MLA screening, borrower’s eligibility to borrow, verify income, verify length of employment, bank relationship, etc.\n\nIssue Incomplete Letter, if required to obtain additional information form borrowers.\n\nAssess applicant’s creditworthiness using credit reports, application information, and income documentation to calculate debt to income ratio, calculate loan to value ratio, and determine overall risk of the applicant. Must be able to identify alternative financing options for borrowers that do not qualify for their original requests\n\nDetermine loan decisions such as approval, denial, counteroffer, or approval with condition and ensure these are completed in a timely manner following regulatory requirements. Present loan decisions in accordance with established procedures and underwriting criteria applying delegated credit authorities per Wintrust policies. Issue corresponding adverse action notices when and if required.\n\nMaintain detailed and accurate records of decisions and supporting analysis.\n\nEnsure adherence to established policies and procedures, as well as maintenance with service level agreements. Work closely and provide support to all affiliated charters to help build strong relationships with customers.\n\nQualifications\n3-5 years of relevant experience.\n\nMust possess knowledge and understanding of consumer lending, loan terms, credit underwriting, and consumer lending regulations. Strong written and verbal communication and organizational skills, with the ability to effectively multi-task.\n\nBachelor’s degree preferred.\n\nBenefits\nMedical Insurance\nDental\nVision\nLife insurance\nAccidental death and dismemberment\nShort-term and long term Disability Insurance\nParental Leave\nEmployee Assistance Program (EAP)\nTraditional and Roth 401(k) with company match\nFlexible Spending Account (FSA)\nEmployee Stock Purchase Plan at 5% discount\nCritical Illness Insurance\nAccident Insurance\nTransportation and Commuting Benefits\nBanking Benefits\nPet Insurance\nCompensation\nThe estimated salary range for this role is $59,000-$90,000, along with eligibility to earn an annual bonus. Actual salaries may vary based on several factors, such as a candidate’s qualifications, skills and experience.\nFrom our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To build a company that reflects the communities we serve, we believe that fostering a unique and inclusive workplace where everyone feels valued and empowered to succeed will support our ongoing success. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories.","description_format":"text","description_chars":5433,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["401k plan","Health insurance","Life insurance","Parental leave"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Consumer Loans & Pawnshops","Commercial & Retail Banks","Wealth Management & Financial Advisors","Mortgage Lending & Brokers"],"lifecycle":[{"event":"open","at":"2026-10-27T23:23:18Z"}],"visa":[{"country":"US","licensed_sponsor":true,"evidence":"H-1B filings in 12 months: 26 · green card filings: 11","filings_12m":26,"filings_prev_12m":23,"green_card_filings_12m":11,"median_offered_wage_usd":141014,"route":null,"cap_exempt":false,"checked_at":"2026-10-15T11:24:14+00:00","sources":["US Department of Labor: LCA disclosure data (H-1B, H-1B1, E-3)","US Department of Labor: PERM disclosure data (green cards)"],"filings_for_role_12m":0}],"liveness":{"score":63,"band":"ok","label":"Likely open","p_open":1,"p_active":0.632,"p_room":1,"age_days":0,"expected_fill_days":32,"reasons":["conf:0","stale_co","velocity","win:early","comp:brand"],"computed_at":"2026-10-28T05:59:10Z"},"pay":{"stated_usd_annual":90000,"is_top_pay":false},"html_url":"https://alion.io/job/wintrust-financial-consumer-loan-underwriter-2","json_url":"https://alion.io/job/wintrust-financial-consumer-loan-underwriter-2.json","meta":{"generated_at":"2026-10-28T13:49:01Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":18724,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-29T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":6066},"rest":"https://alion.io/mcp/rest/get_company?id=6066"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fwintrust-financial-consumer-loan-underwriter-2"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fwintrust-financial-consumer-loan-underwriter-2"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fwintrust-financial-consumer-loan-underwriter-2"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/wintrust-financial-consumer-loan-underwriter-2\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fwintrust-financial-consumer-loan-underwriter-2"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3366603}},{"tool":"search_jobs","arguments":{"company":"wintrust.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3366603},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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