Consumer Lending Underwriter II

First Financial Bank • Cincinnati, OH

1d • $52,000 - $67,000 • Onsite

About The Position

Primary responsibilities include underwriting and granting credit decisions for consumer loan applications originated through Retail banking centers and the Internet across multiple states, markets and regions. This position will have direct responsibility to underwrite secured and unsecured Retail Lending products (home equity lines of credit, home equity term loans) across multiple states. This position will support process improvement and business objectives. Provide superior customer service to internal and external clients. Underwriters must demonstrate proficiency adhering to consumer compliance regulations, federal, state and local laws.

Responsible for analyzing application information for Retail Lending. This position will have direct responsibility to underwrite secured and unsecured Retail Lending products (Home Equity lines of credit, Home Equity term loans, Unsecured Loans, and Direct Installment Loans) across multiple states. This position will support process improvement and business objectives. Provide superior customer service while also “Partnering and Performing” to both internal and external customers (Retail Banking Center Managers, Vendors, other internal departments, etc…) Support process improvement and contribute to achieving business objectives. Accept additional projects as identified. This position will have the minimum in consumer lending authority: Secured- $100,000 Unsecured/Credit Cards- $7,500

Analyze consumer credit reports of Retail Lending applications to evaluate risk and make appropriate credit decision for Retail Lending across multiple states, Markets, and geographic regions. Review documents to support credit decision (verification of income, tax returns, personal financial statement, trusts and additional supporting documentation, etc…)

Reviews documents to underwrite within the stated Retail Lending Guidelines and applicable regulations (flood determination, property appraisals, property reports/title searches, and documents, etc…)

Verifies completeness and accuracy of credit applications. Formulates and communicates credit decision to Retail Banking Centers for all Consumer Loan applications (either approve, decline, or counteroffer) in compliance with established underwriting guidelines, compliance, and regulatory requirements. Develop business relationships and build rapport with Retail Banking Centers and other internal departments to achieve mutual goals. Manage application pipeline to meet business objectives for Service Level Agreements in place. Provide superior service to both internal and external customers. Review credit applications and recommends decisions on applications over their assigned authority to Supervisor/Manager.

Requirements

• 2-3 yrs Equivalent business experience required
• Minimum of 2 years consumer lending, banking, or financial services experience
• Ability to interact with all levels of management and external customers
• Strong attention to detail and level of follow up
• Strong interpersonal, written, and verbal communication skills
• Ability to manage multiple tasks and work independently in a team environment
• Proficient with Microsoft Office programs such as Word and Excel
• Responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Responsibilities

• Underwriting and granting credit decisions for consumer loan applications.
• Underwriting secured and unsecured Retail Lending products (home equity lines of credit, home equity term loans) across multiple states.
• Supporting process improvement and business objectives.
• Providing superior customer service to internal and external clients.
• Analyzing application information for Retail Lending.
• Analyzing consumer credit reports to evaluate risk and make appropriate credit decisions.
• Reviewing documents to support credit decisions (verification of income, tax returns, personal financial statement, trusts and additional supporting documentation, etc.).
• Reviewing documents to underwrite within stated Retail Lending Guidelines and applicable regulations (flood determination, property appraisals, property reports/title searches, and documents, etc.).
• Verifying completeness and accuracy of credit applications.
• Formulating and communicating credit decisions to Retail Banking Centers.
• Developing business relationships and building rapport with Retail Banking Centers and other internal departments.
• Managing application pipeline to meet business objectives for Service Level Agreements.
• Recommending decisions on applications over assigned authority to Supervisor/Manager.

Benefits

• Relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing.
• Incentive Eligibility (All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.)

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed