Consumer Lending Underwriter II

First Financial Bank • Cincinnati, OH

5h • Onsite

About The Position

This position is responsible for underwriting and granting credit decisions for consumer loan applications originated through Retail banking centers and the Internet across multiple states, markets, and regions. The role involves direct responsibility for underwriting secured and unsecured Retail Lending products such as home equity lines of credit and home equity term loans across multiple states. The position also supports process improvement and business objectives, and requires providing superior customer service to internal and external clients. Underwriters must demonstrate proficiency in adhering to consumer compliance regulations, federal, state, and local laws.

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
• Adherence to consumer compliance regulations, federal, state and local laws.

Nice To Haves

• Support process improvement and business objectives.
• Provide superior customer service to internal and external clients.
• Partnering and Performing with internal and external customers (Retail Banking Center Managers, Vendors, other internal departments, etc…)
• Minimum in consumer lending authority: Secured- $100,000 Unsecured/Credit Cards- $7,500

Responsibilities

• Responsible for analyzing application information for Retail Lending.
• 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.
• Support process improvement and contribute to achieving business objectives.
• Accept additional projects as identified.
• Analyze consumer credit reports of Retail Lending applications to evaluate risk and make appropriate credit decisions 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.).
• Review documents to underwrite within the stated Retail Lending Guidelines and applicable regulations (flood determination, property appraisals, property reports/title searches, and documents, etc.).
• Verify completeness and accuracy of credit applications.
• Formulate and communicate credit decisions 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 recommend decisions on applications over their 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