Underwriter-Direct

SUMMARY:

This position will work with consumer loan applications to determine credit worthiness and suitability for approval. This position will routinely handle confidential documents and conduct a thorough financial analysis of appropriate client information.

• Analyze a borrower's credit worthiness by reviewing verification of income, tax returns, financial statements, credit reports, real estate, appraisals, title work, and any other supporting documents necessary
• Determine if a customer's loan application should be approved or denied within the lending limit authority
• Ensure the compliance, accuracy and completeness of loan documentation
• Assist when necessary in the preparation of loan closing documentation
• Review credit applications and recommends decisions on applications over their assigned authority to supervisor
• Rework loan to new terms or identify additional conditions as needed
• Interact with Operations, Compliance, and Funding for problem resolution, risk evaluation and compliance concerns, as needed
• Provide input on new and/or existing underwriting processes and procedures
• Remain current and knowledgeable regarding industry, new product offering guidelines, department procedures, and regulatory changes
• Assist lenders and processors with file documentation
• Accomplish bank mission by completing related results as needed
• Communicate and interpret in a clear and concise manner any insufficient or inadequate data not properly documented or received to the Loan Manager or other lending officer
• Determine alternate documentation that can be used in lieu of standard requirements using sound judgment and prior knowledge/experience
• Prepare and presents summation reports related to monthly, quarterly, and annual goals, and for compliance reporting
• Properly process and underwrite Indirect loan applications as needed
• Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money Laundering procedures. Maintain compliance with all appropriate rules and regulations
• Regular, predictable attendance is an essential requirement of this position
• Complete all other duties as assigned

• Bachelor's Degree in finance or accounting (or equivalent work experience)
• Minimum of three (3) years of lending and/or underwriting experience
• Proven customer service skills, direct contact and via phone
• Strong knowledge of Word, Excel, Internet navigation/research, and Outlook is expected

Farmers National Banc Corp. is an Equal Opportunity

Employer:

disability/veteran

Bachelors of Business Administration (preferred)

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.

For further information, please review the Know Your Rights notice from the Department of Labor.