What are the responsibilities and job description for the Consumer Loan Underwriter position at Heritage Family Credit Union?
Position Title: Consumer Loan Underwriter
FLSA Status: Non-Exempt
Department: Consumer Lending
EEO Code: Professionals
Reports To: AVP, Consumer Underwriting
Grade: 7
Pay Range: $19.53 - $24.40 hourly
Summary:
The Consumer Loan Underwriter reviews consumer loan applications that are generated by the Retail team or from the indirect dealership network. After reviewing the loan application and supporting documentation, make a decision to approve the application as submitted, approve it with conditions, or deny it.
Essential Functions:
- Review, analyze, and make decisions on consumer loan requests generated through Direct Lending Auto Dealers as well as our core system for products such as credit cards, unsecured loans, automobiles, motorcycles, recreational vehicles, etc.
- Work directly with Retail team and Direct Lending Auto Dealers through direct and indirect channels to deliver quality underwriting decisions on consumer loans in a prompt, professional, and timely manner. Assist the FSR’s/USR’s by actively looking for possible cross-selling opportunities to further assist our members.
- Perform other duties such as, payment reversals, loan reversals, due date changes, creating new CUDL users, resetting CUDL user’s passwords
- Must maintain predictable and reliable attendance
- All other duties as assigned.
Qualifications:
- Education: A high school diploma or GED required
- Experience: Minimum 6 months to 2 years loan processing and servicing experience within a financial institution required.
- Skills:
- Good writing and verbal communication skills. Excellent phone skills/etiquette and the ability to communicate clearly and effectively over the phone.
- Basic computer knowledge, proficient use of keyboard, and experience with Microsoft Office products required.
- Experience with financial institution software systems.
Physical Requirements:
This position requires sitting for long periods of time and working primarily at a workstation or desk. Daily tasks include extensive use of a computer performing standard keyboard functions, requiring repeated motions, as well as extensive use of the phone.
Work Environment:
Professional banking environment.
Equal Opportunity Employer: Heritage Family Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Salary : $20 - $24