Consumer Loan Underwriter

Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals: Delivering a wide variety of financial services with a superior customer service guarantee.

JOB SUMMARY: Under general supervision: Provides underwriting and credit approval service for consumers for direct consumer lending products.

Weekly Working Hours: 40

ESSENTIAL FUNCTIONS: Fundamental Duties

1. Handles loan application from consumers over the phone, by fax, or external or inter-office mail; reviews information; analyzes financial documents, credit reports, and other relevant information to determine credit worthiness of applicants. Communicates credit decision to applicants.
2. For approved loan applications, coordinates loan closing with applicants and branch staff. Orders loan documents.
3. For declined loan applications, prepares adverse action letters and mails to applicants.
4. Performs second review functions of applicants handled by other consumer loan underwriters.
5. Explains, as necessary, direct consumer loan products, required paperwork, and changes in consumer lending to branch staff.

Marginal Functions:

6. Performs additional job-related duties as required.

MINIMUM KNOWLEDGE, PRIOR WORK EXPERIENCE, AND SKILLS NEEDED TO PERFORM JOB FUNCTIONS:

Previous work experience of at least one year in a consumer lending function where incumbent has gained satisfactory knowledge of consumer loan

products, services, regulations, income tax return analysis, underwriting, loan documentation, and consumer compliance laws and regulations.

Incumbent must be PC literate and possess analytical, interpersonal and communication skills.

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

the job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job the employee may be required to use hands to fingers, feel, or manipulate computers, calculators, phones and

other office equipment and must be able to clearly communicate and write, hear, and talk with co-workers and customers. The employee is required

to walk and stand for long periods of time. The employee is required to occasionally reach, sit, stoop, kneel or crouch. The employee may lift and/or

move up to 25 pounds. Specific visual abilities are required in the job including close vision, distance vision, color vision, peripheral vision, and

ability to adjust focus.

MENTAL DEMANDS:

Ensures established processing deadlines are met.

Maintain confidentiality of information related to loans and customers.

Ensure department documentation is accurate, detailed, and in compliance with regulatory requirements.

Effectively communicates credit decisions verbally and in writing.

WORK ENVIRONMENT:

The work environment described here is representative of those an employee encounters while performing the essential functions of the job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee generally works in an office environment but may occasionally be required to perform job duties outside of the typical office setting.

While performing the duties of this job, the employee is occasionally exposed to moving mechanical parts. The noise level in the work environment

is usually moderate.

EQUIPMENT USED TO PERFORM FUNCTIONS:

PC, fax machine, telephone, photocopier, 10-key calculator.

EOE

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