Consumer Loan Underwriter

Envista Credit Union•Topeka, KS

2d•Onsite

About The Position

The Consumer Loan Underwriter analyzes consumer loan requests and makes credit decisions within authorized authority based on the applicant’s financial status, credit, collateral, and lending policy. For requests outside their authority, the underwriter makes recommendations to the Consumer Lending Manager. The role works frequently with Consumer Loan Originators and Consumer Loan Processors to resolve questions and ensure application information is accurate and complete. It also identifies lending opportunities that may assist borrowers and grow the credit union’s lending portfolio. The underwriter helps support originators and processors when needed to maintain quality service standards, stays informed about consumer credit trends and applicable laws and regulations, and ensures underwriting follows legal requirements and Envista policies and procedures. The position is based in Topeka, Kansas, and is not eligible for remote work. Successful candidates are professional, enthusiastic, dependable, service-minded, and aligned with Envista’s core values of Integrity, Empower, Unity, Impact, and Exceed.

Requirements

Three to five years of similar or related experience.
One of the following: a two-year college degree; completion of specialized certification or licensing; completion of specialized vendor training courses; or job-specific skills acquired through an apprenticeship program.
Current knowledge of applicable state and federal laws and industry regulations relevant to credit union policies and procedures.
Strong analytical, problem-solving, and interpersonal communication skills.
Ability to present information effectively in one-on-one and small-group situations to members and clients.
Excellent time-management and organizational skills.
Proficiency in Microsoft Office products.
Ability to work collaboratively as a team player.
Attention to detail, a high degree of accuracy, and ability to work independently.
Professional appearance, enthusiasm, dependability, and a service-minded approach.

Responsibilities

Analyze consumer loan requests and make credit decisions within authorized authority based on financial status, credit, collateral, and lending policy.
Make recommendations to the Consumer Lending Manager for requests outside authorized authority.
Support Consumer Loan Originators and Consumer Loan Processors with workload as needed to maintain quality service standards.
Communicate with Consumer Loan Originators and Consumer Loan Processors to resolve questions and ensure application information is accurate and complete.
Analyze lending opportunities to assist borrowers and increase the credit union’s lending portfolio.
Keep informed about consumer credit trends and applicable laws and regulations affecting consumer lending.
Ensure underwriting complies with applicable laws and regulations and Envista policies and procedures.
Contact other departments or outside agencies to resolve common problems.
Perform other job-related duties as assigned.