What are the responsibilities and job description for the Indirect Lending Credit Underwriter position at First US Bank?
Job Summary:
Analyzes loan applications against credit criteria and bank policy to make credit decisions for approval. Supports the overall business needs of the indirect lending department. Provides superior service in a prompt, courteous, and professional manner.
Primary Responsibilities / Job Duties:
- Evaluates credit applications to evaluate risk and make appropriate credit decision for indirect consumer loans submitted by boat, camper, RV, horse trailer, and cargo trailer dealerships across multiple states.
- Verifies completeness and accuracy of credit applications.
- Reviews documents to support credit decision (credit report, verification of income, tax returns, personal financial statements, etc.)
- Underwrites loans within stated consumer lending guidelines and applicable regulations.
- Formulates and communicates credit decision (approve, decline, or counteroffer) in compliance with established procedures and applicable regulations.
- Interacts with dealers clarifying loan decisions as necessary.
- Manages application pipeline to meet business objectives.
- Provides superior quality service to internal and external customers at all times and demonstrates a professional demeanor.
- Complies with all applicable laws, regulations, guidelines, processes, and procedures.
- Participates in and complete all required compliance training, including BSA/AML, as well as other internal and external training programs.
- Participates in training new teammates as needed.
- Performs other duties as assigned.
Position Requirements:
- High School diploma or equivalent required. Bachelor’s degree preferred.
- Minimum of two years of consumer lending credit underwriting experience.
- Strong analytical and organizational skills.
- Excellent verbal and written communication skills.
- Strong computer skills; proficient in Microsoft Office Suite products.
- Ability to work in a fast-paced environment and complete tasks within time limits.
Working Environment / Physical Demands:
Work is performed in a professional office environment and requires the ability to operate standard office equipment and keyboards. Prolonged periods sitting at a desk and working on a computer. May require the ability to lift files, bend, reach, walk or maneuver around the bank. Must be able to lift up to 25 pounds at times.
Disclaimer:
This position description is not intended, and should not be construed, to be an exhaustive list of all responsibilities, skills, efforts or working conditions associated with the job; it is intended to be an accurate reflection of those principal job elements essential to the job.
Federal Contractor – Equal Opportunity Employer M/F/Disabled/Vets
