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The Consumer Loan Underwriter is a pivotal role within the Credit Union of Atlanta, responsible for ensuring an exceptional lending experience for members by making informed decisions on a variety of consumer loan requests. This includes auto loans, motorcycle loans, recreational vehicle loans, boat loans, home equity lines of credit (HELOCs), and unsecured loans. The Underwriter collaborates with members and staff across various channels, including branches and third-party vendors, to review applications and maintain funded loans in alignment with the Credit Union's lending policies and objectives. The position requires strict adherence to established loan policies, laws, and regulations, while embodying the mission, vision, and values of the Credit Union of Atlanta. In this role, the Underwriter will process and underwrite consumer loans, ensuring compliance with existing underwriting guidelines and stipulations. This involves a thorough examination of documents for accuracy, analysis of applicant credit data, financial status, and property evaluations to assess the risk associated with extending credit. The Underwriter will approve loans within authorized limits, communicate decisions to branch personnel or members, and recommend actions for loans exceeding those limits. Additionally, the role includes managing auto decisioning queues, preparing and processing various loan-related documents, and evaluating member records to establish suitable payment plans. The Underwriter will also be responsible for quality control and certification of consumer and participation loans, ensuring that loan decisions are timely and compliant with regulatory requirements. This position requires proficiency in pipeline management, strong organizational skills, and the ability to work collaboratively across different areas of lending. The Underwriter will serve as a resource for consumer products and services, responding to member inquiries and providing guidance on lending practices and policies. Overall, this role is essential in maintaining the integrity and efficiency of the Credit Union's lending operations.
