Consumer Credit Officer

Builtwell Careers • Chattanooga, TN

2d

About The Position

Builtwell Bank (BWB) is seeking a results-focused Consumer Credit Officer to underwrite consumer loan requests, typically for borrowers with aggregate loan exposure to BWB of less than $500,000. The role is responsible for making timely underwriting decisions and ensuring their satisfactory delivery. It also involves analyzing borrower financial information, conducting credit investigations, and communicating decisions to lending staff and upper-level or executive management.

The position requires knowledge of consumer loan products, terms, policies, product matrices, policy exceptions, and workflows. The officer may provide loan training to Retail lending staff and participate in the development and implementation of new consumer products. BWB describes its workplace as offering performance-driven associates opportunities to build a long-term career.

Requirements

• Bachelor's degree or equivalent work experience.
• Excellent written and verbal communication skills.
• Excellent analytical skills.
• Ability to handle several tasks at once.
• Ability to work in a fast-paced, team-oriented environment.
• Sense of urgency.
• Working knowledge of personal and business financial statements, tax returns, and personal credit reports.
• Working knowledge of real estate appraisals and property evaluations.
• Working knowledge of regulatory policies and procedures.

Nice To Haves

• 1–3 years of Consumer Lending and/or Underwriting experience preferred.
• Working knowledge of Microsoft Excel and Word preferred.

Responsibilities

• Underwrite and decide consumer loan applications, ensuring satisfactory and prompt delivery of underwriting decisions.
• Analyze financial statements, including personal and business tax returns and personal financial statements.
• Conduct consumer credit investigations.
• Communicate loan decisions to lending staff and upper-level or executive management.
• Identify and communicate other pre-approved products and services to lending staff.
• May conduct loan training for Retail lending staff.
• Maintain product knowledge, including loan terms, loan policy, product matrices, policy exceptions, and workflow.
• Participate in new consumer product development and implementation.

What This Job Offers

• Job Type: Full-time