Consumer Loan Processor Underwriter

Consumer Loan Processor Underwriter

Baker Boyer is the oldest independently owned community bank in the Pacific Northwest. We are Eastern Washington's trusted financial advisor, serving the Walla Walla Valley, Kennewick and Yakima communities, providing wealth management as well as personal and business banking services.

The Consumer Loan Processor / Underwriter plays a key supporting role in the lending team, working closely with the Consumer Loan Advisors to deliver positive and timely experience to our clients. In this position, you will assist in gathering documentation from clients and third-party vendors to prepare loan files for underwriting. You will help track timely delivery of disclosures and documentation, while carefully reviewing and analyzing income and collateral documents to evaluate loan files to make sound loan decisions that align with the bank's standards and lending policy.

Key Responsibilities

• Greeting walk-in clients, answering phones and scheduling appointments.
• Work with clients and Advisors to gather required documents
• Work with vendors to complete all necessary order outs as required.
• Communicate with title companies, realtors, vendors and clients on loan progress
• Review documents as they arrive for accuracy and updating the information as required
• Review Appraisals and AVMs for accuracy and completeness
• Assist in sending/managing timely delivery of disclosures
• Organize complete file and complete credit and income underwriting according to company policy and investor guidelines as appropriate.
• Evaluate all applicants' credit risk and deliver appropriate credit decisions within approval limits.
• Orders closing documents for loan files
• Manage follow-up items after closing

Skills and Qualifications

• Exceptional attention to detail and accuracy
• Ability to work under pressure, prioritize multiple job tasks and meet deadlines
• Excellent customer service skills
• Demonstrate leadership proficiency
• Knowledge of federal regulations as they pertain to lending
• Understanding of income and financial documentation including comprehension of complete tax returns and supporting documentation.
• Proactive problem solver
• Positive approach to building relationships with other departments
• Exceptional verbal and written communication skills
• Strong computer literacy, including Microsoft Office
• Demonstrated ability to efficiently learn new programs and to proficiently use and interpret data provided by software tools
• Demonstrated excellent time management and organizational skills
• Leads by example, with approach to work and coworker interactions exemplifying professionalism both in appearance and attitude
• Knowledge of different loan types/products

Education and Experience Requirements

• Processor / Underwriter I: bachelor's or associate degree in business, finance or related degree; two years related experience and/or training; or equivalent combination of education and experience. General understanding of banking and/or financial services industry.
• Processor / Underwriter II:
  Developed the knowledge, skills and experience to function independently and proficiently in all aspects of loan processing and underwriting in either the Consumer or Commercial channel. This includes, but is not limited to:
• 3 years' experience in consumer level income analysis and underwriting
• Proficient understanding of Consumer lending compliance and regulations
• Proficient in understanding and analysis of business financials and business structure
• Expertise in Freddie Mac lending guidelines and use of the Seller Servicer Guide
• Proficient knowledge of Baker Boyer Loan Policy

Physical Demands/Conditions Requirements

The job tasks and physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made as appropriate to enable individuals with qualified disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit, write, type, speak, & listen. The employee is occasionally required to stand, walk, reach, stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color and peripheral vision, depth perception and ability to adjust focus.

Ability to work at from a desk, operate a computer and other office equipment.

Baker Boyer is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, disability or protected veteran status.