Branch Loan Underwriter - Lakeshore

AmFirst Career•Birmingham, AL

About The Position

The Branch Loan Underwriter assists members and potential members with financial needs, opens new accounts, processes account transactions and loan requests, resolves problems, and provides information about products and services. The role handles general to intermediate financial transactions and loan inquiries, including business accounts and loans, consumer lending, real estate, credit cards, and specialty accounts. It underwrites consumer loans and originates and closes real estate loans. The position promotes and cross-sells credit union products and services, anticipates members’ needs, maintains accurate transaction and loan records, and ensures required documents are completed and filed or scanned. It conducts audits, provides notary services, acts as a liaison between members and departments, and may represent the credit union during business partner visits, enrollments, and civic functions. The employee is expected to comply with credit union policies and procedures, provide prompt and courteous service, and maintain a satisfactory loan portfolio.

Requirements

One to three years of similar or related experience.
High school education or GED.
Ability to maintain life insurance and NMLS registration.
Ability to use various electronic systems to obtain and enter information.
Strong public contact and communication skills.
Good judgment in resolving member issues and offering services.
Current knowledge of policies and procedures related to branch services and products.
Proficiency in handling new accounts, share certificates, and IRA accounts.
Ability to move around the branch, sit and stand for extended periods, and perform light lifting.

Responsibilities

Assist members and non-members with financial transactions and loan inquiries, including business accounts and loans, consumer lending, real estate, credit cards, and specialty accounts.
Resolve problems within their authority promptly and refer issues beyond their authority to a supervisor with recommendations.
Underwrite consumer loans and originate and close real estate loans.
Post transactions and loan requests accurately and promptly, and maintain records in accordance with credit union policies and guidelines.
Promote, explain, and cross-sell credit union products and services, including gap and warranty coverage, credit, and life disability.
Anticipate members’ needs and advise them appropriately.
Represent the credit union at business partner visits, enrollments, and civic functions as needed to develop additional business.
Conduct timely audits of system information and member documents.
Act as a liaison between members and various departments.
Provide notary services to members.
Open accounts, certificates, loans, and other products or services accurately, ensuring related forms and documents are completed and filed or scanned promptly.
Work toward or exceed established sales goals and assist in meeting branch goals.
Represent the credit union professionally and courteously, and provide informed, prompt, accurate service and support to members and employees.
Maintain a satisfactory loan portfolio.
Perform other job-related duties as assigned.