Sr. Consumer Underwriter - Westchase District

Responsibilities

• Review incoming Consumer, Home Equity, and HELOC loan applications to evaluate factors including debt-to-income ratio, analyze credit reports, calculate income, and loan-to-value ratios in making prudent loan decisions. Make timely decisions on credit applications within established guidelines and underwriting authority, while ensuring all State and Federal regulations are adhered to. Must underwrite and apply required conditions to current program/product specifications with analysis of 5 C’s of credit.
• Provide guidance to Consumer, Mortgage, and Closing Specialists in developing solutions and structuring on challenging loans. Provide concurrence to consumer underwriters for additional level of approval authority. Assist front‑line staff with structuring any complex loan situations.
• Review and verify income documentation as required to ensure it matches the amount listed within application and meets Credit Union guidelines. Must be proficient in analyzing complex financial and documents to protect the credit union from fraud.
• Responsible for validating all data contained in the loan submission and Encompass/Loan Director loan origination systems. Will be required to review disputed consumer loan applications from branch and sales staff.
• Manage e‑Oscar direct and indirect consumer credit disputes in a timely manner. Required to provide an in‑depth investigation through core systems and historical data to validate disputed credit information. Must adhere to all CFPB guidelines.
• Other duties as assigned.

• Experience: Three to five years of similar or related experience, including preparatory experience.
• Education &
  
  Certifications:
  
  A high school degree or equivalent.
• Interpersonal
  
  Skills:
  
  Significant level of trust, credibility and diplomacy; ability to conduct sensitive dialogues with customers, reports, and vendors; strong communication, influencing, and advising abilities.
• Other
  
  Skills:
  
  Understanding and evaluating personal credit reports, familiarity with different types of collateral, calculating financial ratios for underwriting analysis, working knowledge of Microsoft Outlook, Word, and Excel; experience using Velocity and Fiserv DNA/Core System; effective written and verbal communication.

Must be able to bend, sit, and stand for primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing/descending stairs in an emergency. Must operate routine office equipment. Must perform work on computer for an average of 6‑8 hours per day; ability to work extended hours or travel off‑site if required.

Must maintain regular, reliable, and timely attendance. Must be able to work independently or with limited supervision and effectively as part of a team. Must be capable of handling multiple, simultaneous, and changing priorities while exercising discretion on confidential matters.

Competitive salary and top‑tier benefits. Tuition reimbursement program; full‑time employees can receive up to $4,000 per year in tuition reimbursement.

Smart Financial Credit Union does not discriminate on the basis of race, sex, color, religion, age, national origin, marital status, disability, veteran status, genetic information, sexual orientation, gender identity or any other reason prohibited by law in the provision of employment opportunities and benefits. Smart Financial Credit Union commits to fostering a diverse, equitable, and inclusive workforce.