Senior Consumer Loan Underwriter

Home Bank • Lafayette, LA

22h

About The Position

The purpose of this position is to review and decision consumer credit applications in accordance with fair lending guidelines.

Requirements

• Bachelor’s Degree in Finance or business-related field or equivalent experience
• Strong knowledge of lending documentation, internal loan processes and governmental regulations and requirements.
• Demonstrated knowledge of consumer lending processes including consumer loan documentation.
• Exceptional verbal, written and interpersonal communication skills
• Excellent organizational and time management skills with the ability to work under pressure and adapt to change and meet deadlines.
• Excellent analytical and problem-solving skills including ability to diagnose, resolve or escalate a critical situation.
• Demonstrate your ability to effectively manage relationships with internal and external customers.
• Demonstrate your ability to analyze financial data and account information quickly and thoroughly.
• Self-directed/motivated with ability to work independently with little or no supervision.

Nice To Haves

• Greater than five years’ experience in a consumer lending environment preferred
• Proficiency with Microsoft Office (Excel and Word) is preferred
• Laser Pro System knowledge preferred

Responsibilities

• Reviews and decisions credit applications submitted to underwriting.
• Analyzes applicants’ financial status, credit and potential collateral to determine feasibility of granting loan.
• Communicates with Loan Officers to clarify requests and resolve questions regarding applications.
• Provides guidance to lending officers regarding rate, terms and structure of credits.
• Approves Loans within specified guidelines and limits or refers loan to appropriate supervisor or Loan Committee.
• Makes recommendations for Loan Provisions regarding applications reviewed.
• Orders appraisals and engages attorneys for necessary loan transactions.
• Maintains current knowledge of compliance issues to ensure that all loans processed adhere to state and federal regulations
• Works as a backup in other areas in the Credit Department.
• Provides reporting to management regarding credit approvals, denials, etc.
• Assist in keeping all lenders aware of changes in loan related fees and other relevant information
• Prepare accurate loan closing documentation for all consumer loan types, including CD/Savings Secured loans, Auto Loans, Unsecured Loans, Construction Loans, Mobile Home Loans and all types of Real Estate Secured Loans
• Obtain fees from attorneys in a timely manner to prepare and mail Loan Disclosures
• Order title work from title companies, Clerk of Court and/or attorneys, review title work and recommend any needed corrective documentation to ensure Home Bank will have a valid lien position.
• Order Flood Determinations and accurately prepare flood notices if property is in a defined flood hazard area
• Accepts other responsibilities as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 1-10 employees