Underwriter, Finance & Banking

Serves as the primary centralized lending officer for consumer loan decisions. Receives and evaluates member loan requests. Acts as a resource for information regarding loan decisions, member loan inquiries, and company lending products and services. Responsible to grant or deny loans within limits assigned and to provide the highest quality of service to our members attempting to maximize the number of service relationships the member has with the organization.

Receives member loan requests through Loans PQ; processes, evaluates and underwrites loan requests using judgment and discretion in making decisions to satisfy the member needs with an approval authority level up to Tier
2. Loans outside of guidelines or approval parameters are escalated to the Lending Manager, AVP of Lending, or VP of Lending/Operations with a recommendation as to the loan decision for each loan.

• Responsible for communicating loan decisions to Loan Processor(s)/Loan Officers including the ability to discuss loan denials, loan alternatives and rate computation in a clear, concise and courteous manner.
• Obtains and evaluates credit bureau reports, income documentation, collateral valuation reports, title information, and other factors relevant to the underwriting of consumer loans.
• Cross‑services members on various organization lending products including ancillary products and other consumer loans.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Experience
Minimum of two years of similar or related experience, including time spent in preparatory positions.

Education/Certifications/Licenses
High school degree or GED required.

Interpersonal Skills
A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day‑to‑day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.

ADA Requirements
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing/descending stairs in emergency situations. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6–8 hours per day.

Physical Requirements
Must be able to work extended hours and Saturdays whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions
Must be able to routinely perform work indoors in climate‑controlled shared work area with minimal noise.

Mental and/or Emotional Requirements
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.

Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Education
High School or better.

Experience
Two or more years of experience in lending.

Equal Opportunity Employer
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.