Card Underwriter I

Truist Bank • Wilson, NC

8d

About The Position

This position underwrites and decisions credit card requests while adhering to Service Level Agreement measurements. The role will make credit decisions on all credit card and Ready Now Credit Line applications in accordance with the Bank's policies. Support, coaching and client service is provided to bankers to ensure understanding and enforcement of policies and to help ensure consistency in execution of the lending process.

Requirements

• Bachelor’s degree in a Business or related field, or equivalent education and related training
• Knowledge of consumer lending products, credit policy, applicable federal laws and regulations
• Proficient analytical and problem-solving abilities
• Strong verbal and written communication skills
• Ability to multi-task and handle heavy workloads
• Demonstrated proficiency in basic computer software applications such as Microsoft Office products and automated loan origination systems containing risk models and internal scorecards.

Nice To Haves

• 3+ years consumer underwriting experience in a centralized fast-paced customer service orientated team environment.
• Knowledge of bank operations, systems, compliance and regulatory issues

Responsibilities

• Underwrite and decision, within delegated lending authority, credit card and Ready Now Credit Line applications where the risk profile falls outside of auto decisioning criteria.
• Perform complex debt capacity and revolving credit utilization calculations and supporting compensating factors on higher risk/complex requests.
• Ensure all credit decisions are made in compliance with bank policies, procedures and federal regulations.
• Process and complete manual underwriting or communications, including the management of group email boxes.
• Provide phone/email support for banker questions.
• Provide recommendations to Manager for improving policy and processes related to underwriting consumer cards and constant credit.
• Clearly document each application to include rationale for any policy exceptions.
• Meet production goals established for the role in addition to meeting turnaround time standards.

Benefits

• All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position.
• Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates.
• Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays.
• Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 5,001-10,000 employees