Consumer Loan Underwriter

Consumer Loan Underwriter

Located at our Longview, WA office (This is not a remote position)

Fibre Federal Credit Union offers a vibrant, exciting, and challenging workplace in the fast-paced financial industry in the Lower Columbia region and along the Oregon coast.

Join our team and see what it means to be people helping people.

Fibre Federal Credit Union is seeking a Consumer Loan Underwriter for our Longview, WA location.

The range above allows our employees roomfor growth through annual merit and other pay increases based on performance.

The target pay range for this position is typically within the first halfof the range. Compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training.

Should an offer for employment be made, we will consider individual qualifications.

• -Competitive Salary
• -Benefits Package including: 100% employer paid health, dental, vision, life,and disability insurance for the employee
• -Paid Vacation Time
• -Paid Volunteer Hours
• -6% 401(k) Plan Contribution
• -10 Paid Holidays
• -2 Floating Holidays
• -Opportunities for growth within the company

Responsible for reviewing and processing loan applications received primarily through our direct and indirect lending channels in accordance with established retail lending guidelines. Musthave the ability to determine credit worthiness of loan requests based on objective criteria and loan policy. Approves or denies loan applications based on analysis. Performs all reasonable tasks to protect the Credit Union from undue financial loss. Performs a variety of support duties related to the lending function within the Credit Union.

• · Must evaluate credit applicants for future loan approval.
• · Approves or denies loans and terms within the loan underwriter'sown limits and established policies of the Credit Union. Makes recommendations on consumer loans outside of authority level.
• · Must accept loan applications and obtain credit and any other information pertinent to the loan decision and closing of the loan. Must beable to effectively communicate with dealers concerning loan approvals ordenials.
• · Demonstrates teamwork in all interactions with coworkers and inthe completion of all duties and responsibilities, including assisting underwriters who have lesser signing authority in making credit decisions.
• · Processes direct and indirect lending credit applications, butwith the ability to also process other types as well, and obtains any documentation necessary to make sound credit decisions in a timely manner.
• · Maintains delinquency and charge-off ratios within the established policies of the Credit Union.
• · Communicates the status of member applications with loan originators and loan processors.
• · Trains new loan underwriters.
• · Attends underwriting training as necessary.
• · Looks for recapture of approved but withdrawn applications andcross-sell opportunities on all Credit Union products and services when appropriate.
• · Power books (audits) vehicles to verify that we have accurate vehicle information and document the findings.
• · Reviews and analyzes indirect dealer applications and funding packets.
• · Reviews loan and member files to develop additional sources ofloan production.
• · Assists in building and maintaining dealer relationships, which includes but not limited to dealer visits.
• · Follows Credit Union procedures as outlined in the Loan Department procedures and Policy Manuals, ensuring all dual control and internal controls are followed within their area of responsibility.
• · Reviews and analyzes tax returns to verify income.
• · Provides assistance where needed in the Loan department.

• · Thorough knowledge of consumer…