Consumer Loan Underwriter

Andover Bank • Andover, OH

23h • Onsite

About The Position

The Consumer Loan Underwriter underwrites consumer loans for quality, accuracy and completeness.

Requirements

• High school diploma or general education degree (GED) required
• One to three years related experience
• Ability to read, analyze and interpret loan documents
• Ability to write routine reports and correspondence
• Ability to effectively present information and respond to questions from groups, internal and external customers and the general public
• Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals
• Ability to compute rate, ratio and percent
• Ability to solve practical problems and deal with a variety of concrete variables in standardized situations
• Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form
• Strong organizational skills with attention to detail
• Ability to perform strong computer skills and operate computer programs
• Demonstrated working knowledge of Microsoft Excel
• Proficient in analysis, cash flow, credit reporting and knowledge of FICO credit scores

Responsibilities

• Verifies completeness of data on loan papers
• Evaluates applications for loans and makes decisions regarding whether to approve an applicant for financing
• Contacts loan originators to discuss financial information material to the decision making process
• Underwrites, evaluates and analyzes the financial statement/tax returns of a loan applicant
• Assembles documents for delivery to title company, real estate broker or lending officer for closing
• Provides accurate, efficient and exceptional customer service to both internal and external customers
• Maintains knowledge of bank regulations, security and compliance responsibilities, products, policies, procedures and meets deadlines
• Satisfactorily completes all training required for the position
• Regular onsite attendance
• Ability to work well with others in a team environment

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED