Consumer Underwriter

Equity Bank•Wichita, KS

14h•Onsite

About The Position

The Consumer Underwriter is responsible for underwriting and deciding on various consumer and small business loans, including term loans and lines of credit, as well as small business credit cards, provided the aggregate lending relationship is under $250,000. This role involves reviewing customer credit reports, income documentation, business tax returns, financial statements, and guarantor information. The underwriter will also verify loan collateral, maintain the loan pipeline, prepare loan documents using Laser Pro, follow up on signed documents, and ensure compliance with all loan application regulations. A key aspect of the role is delivering outstanding customer service to both internal and external customers. Additionally, the underwriter will become an expert in the underwriting software (Decision Pro), provide compliance support, assist in training loan officers, troubleshoot system issues, and help customize the software as needed. The position also requires attending training classes and inter-departmental meetings as necessary, and performing other assigned duties.

Requirements

3-5 years banking experience required
Excellent interpersonal skills and professional manner
Computer skills, especially the ability to work in Windows based systems
Employee is responsible for understanding and following the applicable laws and regulations for their job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity reporting requirements.

Nice To Haves

Bachelor’s degree preferred

Responsibilities

Underwrite/Decision all Consumer Loans, Small Business Loans and Small Business Credit Cards if the aggregate lending relationship is under $250,000.
Review customer credit reports
Review/Verify customer income documentation
Review Business Tax Returns and Financial Statements for Business Applications
Review any Guarantor Income and Credit Information for Business Applications
Review/Verify loan collateral
Update and maintain loan pipeline; respond to new requests in a timely manner
Prepare Documents in Laser Pro
Follow-up with Bankers on signed loan documents
Ensure Compliance for Loan Applications/Denials/Withdrawals
Deliver OUTSTANDING Customer Service to Customers both internal and external
Become an expert in the application/underwriting software (Decision Pro, etc.)
Provide compliance support and follow-up with frontline personnel
Assist in training loan officers in Decision Pro and other necessary programs
Trouble-shoot Decision Pro system issues as they arise
Assist in customizing/tailoring Decision Pro as needed
Attend and provide support to training classes, as required
Participate in inter-departmental meetings, as necessary
Perform other duties as assigned or required.
Understand and follow applicable laws and regulations for job responsibilities including Equity Bank Business Ethics and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity reporting requirements.