Lending Underwriter I
About The Position
The Lending Underwriter uses knowledge and independent judgment to determine loan risk eligibility in conjunction with regulations, guidelines, policies, and programs available. Examines, evaluates, and authorizes approval or denial of borrowers’ applications for consumer, micro business, and home equity loan products, including credit or extension of lines of credit, real estate secured loans, and other lending requests, within assigned lending authority limits. Applies a professional approach to assessing the credit needs of members across multiple channels while adhering to established lending policies and guidelines. Maintains a professional attitude, communicates effectively, and collaborates closely with front-line teams to support lending decisions.
Requirements
- A minimum education of a high school diploma or GED.
- 1-2 years of previous lending experience in a Credit Union/banking environment is preferred.
Nice To Haves
- Ability to provide courteous, knowledgeable, and professional customer service both in person and on the telephone.
- Knowledge of consumer, micro business, and home equity loan processing practices, methods, and procedures
- Knowledge of business, real estate, and consumer loan documentation.
- Ability to assume responsibility, display initiative, exercise good judgment, and make timely underwriting decisions with minimal supervision.
- Strong skills in operating a personal computer, including Microsoft Word, Microsoft Excel, and Microsoft Outlook, and navigating the internet.
- Ability to perform accurate data input into a variety of software systems.
Responsibilities
- Underwrite Consumer, Micro Business, and Home Equity Loan Applications
- Perform lending support responsibilities, including processing mortgage discharges, handling E-OSCAR disputes, managing land contracts, and serving as a backup to the Lending Title Clerk as needed.
- Deliver Member Services Solutions with Timely Application Decisioning
- Ensure Compliant Lending Practices Across All Lending Categories
- Maintain Scorecard Performance Standards
Benefits
- Health
- Dental
- Vision
- Responsible Time Off
Stand Out From the Crowd
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
