Consumer Credit Underwriter

Johnson Financial Group • Racine, WI

5h

About The Position

The Consumer Credit Underwriter (CCU) possesses a thorough understanding of the principles governing credit administration with an emphasis on consumer loans. The Consumer Credit Underwriter ensures that all loans, extensions, modifications, renewals, subordinations and partial releases are underwritten according to the approved guidelines with the Bank's loan policy and are in compliance with applicable state and federal banking regulations. Our Associates are expected to willingly accept new responsibilities to support our success; this includes either taking on new tasks or learning new skills in order to meet business and organizational goals.

Requirements

• Bachelor's degree in accounting, finance or other applicable discipline preferred (the appropriate combination of education and experience will be considered).
• Must possess excellent analytical and communication skills.
• Above-average computer skills.
• Demonstrated proficiency in Microsoft Office applications (Word, Excel).
• Excellent interpersonal skills.
• Relationship building skills.
• Ability to multi-task and meet deadlines.
• Must function as a team player.
• Ability to lead projects.
• Attention to detail and accuracy is critical.
• Must also demonstrate the ability to think creatively to provide added value to the underwriting and credit process.

Responsibilities

• Review and analyze financial statements, appraisals, flood determinations and title policies to validate loan qualification in order to approve and/or decline applications acceptable to the Bank.
• Assist Relationship Managers with structuring and risk assessment of loan relationships.
• Remains current on all pending and proposed state and federal regulatory changes impacting consumer lending.
• Identify and mitigate rate and procedural exceptions by working with the Relationship Manger, Regional Line of Business Leaders and/or Regional Credit Officer to clear loan exceptions or gain approval as necessary.
• Maintains working knowledge of software in relation to consumer loan underwriting.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level