Direct Consumer Underwriter I/II

Trustmark Bank • Pearl, MS

2d

About The Position

The purpose of this job is to review and evaluate consumer loan applications in a centralized underwriting environment and render approval or denial decisions based upon bank policy, underwriting guidelines, and related state and federal regulations.

Requirements

• Four-year college education or equivalent work experience OR High School Diploma with two years of direct consumer underwriting experience
• Basic knowledge of consumer credit analysis with work experience in consumer lending
• Basic knowledge of bank lending policies and related regulatory requirements
• Basic knowledge of credit scoring principles and principles of finance
• General knowledge of loan documentation and lien perfection requirements
• Communication skills
• Basic Computer skills
• Interpersonal skills
• Four-year college education or equivalent work experience OR High School Diploma with four years direct underwriting experience
• Advanced knowledge of consumer credit analysis with work experience in consumer lending
• Advanced knowledge of bank lending policies and related regulatory requirements
• Advanced knowledge of credit scoring principles and principles of finance
• Basic knowledge of loan documentation and lien perfection requirements

Nice To Haves

• Working knowledge of Action Underwriting System preferred
• Advanced knowledge of Trustmark Consumer Credit products preferred
• Proficiency with Microsoft Office applications preferred

Responsibilities

• Approve, decline, or conditionally approve consumer loan applications and provide supporting documentation
• Perform analysis of each credit transaction by reviewing the credit score, ability to repay, collateral, structure, personal liquidity, and other relevant factors
• Prepare loan recommendations for the HMDA Retail Second Review Committee
• Ensure compliance with all Bank regulatory requirements
• Interact with Loan Officers to gather the information necessary to analyze each loan application
• Perform additional duties as assigned.

What This Job Offers

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