Senior Consumer Loan Underwriter

We are seeking an experienced and highly analytical Senior Consumer Loan Underwriter to join our growing clean-energy finance team. This role is ideal for someone with deep experience underwriting consumer loans for residential solar, heat pumps, and other home electrification upgrades, and who is excited to help scale ethical, transparent financing for the energy transition.

The Senior Underwriter will play a key role in credit decisioning, policy refinement, and mentoring junior underwriters, while working closely with product, operations, and partner teams.

Key Responsibilities

• Independently underwrite and decision consumer loan applications for residential solar, heat pumps, battery storage, and other electrification projects

• Evaluate, validate, and help refine our automated approval process working with our product and lender teams

• Evaluate credit reports, stated and verified income, debt obligations, and collateral to assess borrower creditworthiness

• Apply and interpret underwriting guidelines, with the ability to escalate, exception, or recommend policy changes where appropriate

• Support the development, refinement, and documentation of underwriting policies and decision criteria

• Manage a pipeline of loan applications while meeting turnaround time and quality targets

• Collaborate with operations, product, and partner-success teams to resolve complex files and improve origination workflows

• Provide guidance and informal mentorship to junior underwriters as the team scales

• (Preferred) Apply commercial or small-business underwriting experience to growing pipeline of SMB solar + storage applications

Qualifications & Experience

• 3–5+ years of consumer loan underwriting experience, with a strong preference for:

  • Residential solar lending

  • Heat pump, HVAC, or home electrification financing

  • Home improvement or secured consumer lending

• Strong understanding of credit bureau data, debt-to-income analysis, and income evaluation

• Comfort underwriting both automated and manual decision paths

• Excellent judgment, attention to detail, and documentation skills

• Clear written and verbal communication skills

• Experience with loan origination systems and underwriting tools

• Nice to have:

  • Commercial or small-business loan underwriting experience

  • Experience working with installers, contractors, or point-of-sale financing

  • Familiarity with UCC-1 secured lending structures

  • Based in or near the San Francisco Bay Area (preferred, not required)

Salary Range

$85,000 – $115,000 per year, depending on experience, location, and depth of clean-energy or commercial underwriting background.

Why Join Us

• Work at the forefront of clean-energy and electrification finance

• Help shape underwriting standards in a fast-growing, mission-driven market

• Collaborate with a thoughtful, values-driven team focused on transparency and consumer protection

• Competitive compensation, benefits, and opportunities for growth

If you’re an experienced underwriter who wants to apply your skills to scaling affordable, high-integrity financing for the energy transition, we’d love to hear from you.

Atmos is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.