Consumer Loan Underwriter

Community First Credit Union | Wisconsin • Neenah, WI

3h

About The Position

The Consumer Loan Underwriter balances consumer loan requests with lending guidelines, policies, and regulations to reach appropriate outcomes for members of the cooperative. The role analyzes consumer loan applications efficiently and makes loan decisions in a fast-paced environment. It also supports an educational process for members who cannot be approved immediately and seeks alternatives that may help them meet their financial goals.

Requirements

• Bachelor’s degree in Business, Finance, or a related field; five to seven years of lending or underwriting experience; or an equivalent combination of education and expertise.
• Exceptional analytical skills, including the ability to analyze tax returns and financial information, appraisals, title work, subordination requests, exchange-of-collateral requests, and other items as needed.
• Ability to follow Community First Credit Union policies and procedures, complete required compliance training and continuing education on time, and maintain thorough knowledge of internal operating procedures, products, and policies in Consumer Lending, as well as applicable laws and regulations.
• Good communication skills and an empathetic manner.
• Strong PC-based skills and ability to use Microsoft Office products.
• Excellent decision-making, strong analytical skills, and fine attention to detail.

Responsibilities

• Provide outstanding, quality service to external and internal members.
• Approve or deny consumer loan requests within loan policy and communicate required conditions in writing.
• Coach and mentor Member Service Representatives to help prevent incomplete loan applications.
• Identify and recommend opportunities to help members save money and meet their financial goals.
• Review valuations, income and tax returns, and title work needed to finalize loan conditions.
• Balance productivity and attention to detail to meet member service levels while providing high-level underwriting expertise.
• Recognize viable and creative loan alternatives when initial requests are not feasible, giving members a choice instead of an outright denial.
• Work under pressure to meet multiple deadlines and exercise sound judgment.

What This Job Offers

• Job Type: Full-time