Consumer Lender - Underwriter

• Location 1 S Howell St,Hillsdale, MI, 49242,United States
• Employee Type Non-Exempt
• Required Degree 2 Year Degree
• Manage Others No

• Phone

County National Bank (CNB) is an independent, locally owned, community bank that is successful and growing whose mission is to “sustain its deep commitment to the community and its traditions of excellence in all aspects of banking and provide outstanding client service and solid financial performance.”

We invite you to share in our mission and vision as a community banker, making a difference in your community while experiencing excellent benefits and career opportunities.

CNB is looking for a qualified, motivated, and client- and team-focused individual to join our team as a Consumer Lender - Underwriter, for our Main Office in Hillsdale, Michigan. This position will be ON-SITE in Hillsdale.

JOB SUMMARY

The Consumer Lender/ Underwriter I underwrites and evaluates consumer loan applications and documentation to determine credit worthiness. This position is responsible for approval or rejection of loan requests within loan approval limits. Consumer Lender/ Underwriter assists branch managers/officers in qualifying loan applications while adhering to all underwriting guidelines, policies, and procedures.

• Reviews submissions to the underwriting queue and provides timely underwriting decisions, second reviews, and adverse action processing in accordance with departmental guidelines and established turnaround times.
• Validates loans in accordance with loan policy and underwriting guidelines, obtains required approvals, and reviews, analyzes, approves, or denies consumer and indirect loan applications.
• Assists loan originators with self-employed income analysis, qualifying income determination, borrower pre-approvals, and underwriting-related questions.
• Verifies and inputs loan information into the loan administration system, provides underwriting checklists, and obtains signed disclosures and required documentation to ensure complete loan packages.
• Prepares, processes, and maintains adverse action notices and consumer loan denial records for denied, withdrawn, or incomplete loan files in accordance with Bank procedures.
• Manages portfolio past-due activity, maturing loans, annual high-risk HELOC reviews, and non-accrual real estate loans in coordination with Loss Mitigation.
• Maintains and develops indirect lending relationships, including regular communication and visits with dealer partners, while ensuring dealers receive current forms, rate sheets, revisions, and promotional materials.
• Trains new users on lending software and provides ongoing training to consumer loan and branch staff regarding lending policies and procedures.
• Identifies opportunities to improve operational efficiencies, loan products, processes, and revenue generation.
• Maintains regular communication and collaboration with loan personnel, tellers, branch staff, outside offices, clients, insurance vendors, and indirect dealer partners to resolve issues and support daily operations.
• Maintains confidentiality of client information, regular and timely attendance, and current knowledge through assigned training and industry updates.
• Ensures compliance with all regulatory requirements, including Bank Secrecy Act requirements.
• Performs additional duties as assigned.

Required:

• Associates degree in Business or Finance.
• Minimum of three (3) years of general banking experience.

Preferred:

• Bachelor’s degree in Business or Finance.
• Three (3) years of loan experience.

• Strong client service orientation and ability to promote excellent service standards.
• Excellent interpersonal skills, including tact, cooperation, and professionalism.
• Positive and collaborative approach to teamwork. Knowledge and…