Consumer Loan Underwriter

Are you a Consumer Lending Professional looking to join a community-focused organization? Are you interested in helping people achieve their financial dreams?

As a Consumer Loan Underwriter, you will underwrite our Consumer and Indirect loans. You will work closely with our customers (members) to ensure that all essential materials are gathered and documented while providing excellent service. You will play an important role in helping our members turn their financial dreams into reality.

Please note: Due to the time-sensitive nature of this position, the Consumer Loan Underwriter may be required to work weekends and evenings as needed.

What You'll Do:

• Analyzes loan information to render loan decisions for Consumer and indirect loans.
• Provides decision recommendations on loans that must be escalated to a higher loan authority. Effectively communicate with staff and dealer partners about counteroffers, loan stipulations, and denials.
• Responds to internal and external members via incoming and outgoing calls as well as through alternative channels such as email, dealer comments, etc.
• Reads and interprets credit reports and explains information to internal and external members in addition to dealer partners as needed.
• Prepares reports for management and monitors key data as to how well the department is functioning.
• Possess a working knowledge of government rules and/or regulations related to consumer lending and fraud. Abides by all credit union policies, procedures, and protocols set forth in the departmental, VCCU policy manuals.

Qualifications:

• A High School diploma with at least two years of consumer loan underwriting experience is required.
• The ideal candidate should have a general knowledge of financial institution products and services, office equipment, and general business procedures. Additionally, they should possess the abilities of a highly engaged, detail-oriented, and well-organized individual, along with knowledge of and experience with financial services software applications and systems.
• The ability to function effectively in a high-volume area is essential, as is proficiency in oral and written communication skills and to work night and weekend hours as assigned.
• Candidates must also be able to obtain an NMLS identification number.
• Ability to communicate effectively and professionally to members, in writing through various channels.

More about Us:

NuMark's mission is to enrich the financial lives of our members. We offer a full menu of financial services from mortgage and auto loans to free checking accounts and business services. NuMark Credit Union is dedicated to putting our members first, treating them like family and helping them do more with their money. We help members get to their fantastic future faster.

At NuMark Credit Union, we recognize how vital our team is to the success of our organization. We believe that investing in the wellness and professional development of our people should be at the forefront of how we operate. Our focus is on making employees feel valued and supported because we know a strong team and positive culture is what gives us a competitive advantage in the markets that we serve. Take a look at our core values that dictate how we treat members and each other:

Passionate - We are dedicated to exceeding expectations and are passionate, open-minded, and committed to serving members and their families on their lifelong financial journeys.

Accountable - We take ownership of our responsibility to act in the best interests of our members and treat everyone with respect.

Collaborative - We work together to provide exceptional service to our members, communities, and each other. We believe in the power of teamwork to achieve a common goal.

Knowledgeable - We believe knowledge is power and that it should be freely shared with our members, communities, and employees.

Member Centric - NuMark members are the foundation of who we are. Our members and our team are made up of diverse backgrounds. This allows us to be an inclusive organization where we can proudly serve everyone.

Benefits:

We want to make sure you're taken care of, which is why we strive to offer competitive and cost-conscious benefits for you and your family. Full Time Employees can choose between several plans from Blue Cross Blue Shield (HMO, Options or PPO), Dental, Vision, 3 weeks of Paid Time Off, Paid Holidays Off, Company Lunches and Parties, Birthday Holidays, Life Insurance (Company Paid), Short and Long Term Disability (Company Reimbursed), 401(k) Savings Plan with Company Match & Profit Sharing, Flex Spending Account, Accident Insurance Plans, Education Reimbursement for Bachelor or Master's Degrees, Employee Assistance Program, Paid Community Volunteer Time, and Career Advancement Opportunities.

Equal Opportunity Employer:

Equal Employment Opportunity has been, and will continue to be, a fundamental principle of NuMark Credit Union where employment is based upon personal capabilities and qualifications without discrimination because of race, color, religion, sex, age, national origin, disability, or any other protected characteristic as established by law.

Physical Demands

The 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 to enable individuals with disabilities to perform the essential functions under the Americans with Disabilities Act (ADA).

• While performing the duties of this job, the employee may be regularly required to stand, sit, talk, hear, reach, stoop, kneel, and use hands and fingers to operate a computer, telephone, and keyboard.
• Specific vision abilities required by this job include close vision requirements due to computer work.
• The ability to talk and hear both in-person and by telephone is required.
• Light to moderate lifting may be required up to 25 pounds.
• Regular, predictable, attendance is required at the employee's assigned location(s) for all scheduled shifts.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions under the Americans with Disabilities Act (ADA).

• Moderate noise (i.e., business office indoors with computers, phone, and printers, light traffic).
• Ability to work in a confined area.

The budgeted compensation range for this position is $25.50 - $27.50 per hour (non-exempt). Individual rates vary based on skills and experience. This position is also eligible to earn operational performance bonuses.

Salary : $26 - $28