Consumer Loan Underwriter / Banking Officer

US CENTURY BANK•Doral, FL

25d

About The Position

The Consumer Loan Underwriter is responsible for evaluating, analyzing, and making credit decisions on consumer loan applications. This role assesses risk, ensures compliance with lending policies and regulations, and delivers decisions that balance customer needs with organizational risk appetite. The underwriter works closely with MLOs, Loan Processor, and Credit Management Team to ensure timely, accurate, and responsible lending decisions.

Requirements

5+ years of consumer underwriting or Residential lending experience (depending on seniority level).
Familiarity with credit scoring models (e.g., FICO)
Proficient with loan origination system, Encompass.
Strong analytical and problem-solving skills.
Knowledge of consumer lending regulations and credit risk principles.
Excellent attention to detail and documentation accuracy.
Strong communication skills and ability to collaborate across teams.
Ability to manage multiple applications and meet strict deadlines.
Judgment & Decision-Making
Risk Awareness
Customer Focus
Integrity & Compliance
Time Management
Data Analysis
Ability to read, analyze, and interpret common business, banking, documents.
Able to respond to common inquiries or complaints from customers or members of the business community.
Ability to write reports and business correspondence conform to prescribed style and format, relate well with others and quickly create a working rapport.
Must have the ability to present information to management, employees, and customers.

Nice To Haves

Bachelor’s degree in finance, Business, Accounting, or related field preferred (or equivalent experience).
Bachelor’s degree (B.A.) from a four-year college or university; and two years related experience and/ or training; or equivalent combination of education and experience.

Responsibilities

Review and analyze consumer credit applications for home equity products, and other retail lending product (as deemed applicable).
Assess applicant financial information including credit reports, income documents, bank statements, employment verification, and accurately calculate debt-to-income ratios.
Determine creditworthiness and compliance with applicable program guidelines.
Recommend appropriate conditions to support the credit decision to approve, conditionally approve applications within assigned delegated credit authority limits set by the Bank, or deny applications.
Document underwriting decisions clearly and accurately in the loan origination system.
Perform timely reviews of stipulation/conditions included on loan approvals
Provide rationale for decisions and maintain proper audit trails.
Communicate decision details and required conditions to MLO and Processors.
Identify potential risks, fraud indicators, and inconsistencies in documentation.
Ensure loan decisions comply with internal policies, regulatory requirements (e.g., ECOA, Fair Lending, FCRA), and investor guidelines as deemed applicable.
Work with internal teams to resolve application issues, identify any missing information, and explain underwriting requirements.
Support customer-facing staff by interpreting credit policies and providing guidance on structuring deals.
Maintain high accuracy and productivity standards while meeting turnaround time based on established Service Level Agreement.
Assist with portfolio analysis, quality control reviews, and policy updates as deemed necessary by Credit Management.
Identify opportunities to streamline underwriting processes and enhance risk controls.