Sr Loan Underwriter
About The Position
The Sr Loan Underwriter will be responsible for reviewing, analyzing and making credit decisions on mortgage, home equity, consumer, and small commercial loan requests. Make high level lending decisions in the best interest of the client via the Bank Advisory Process, while managing the risk to the Bank. Make recommendations to the supervisor and other appropriate Bank personnel in order to enhance the success of the department, the client and the Bank. Maintain safety and security of our clients, our employees and Thrivent Financial Bank assets by adhering to regulations, policies and procedures. DUTIES & RESPONSIBILITIES: Analyze and make credit decision on loans in accordance with all credit and Bank policies. Recommend underwriting criteria to be implemented within automated underwriting decision engine. Active in underwriting activities required to set the direction of the department. Recommend updates and changes to underwriting policies and procedures as needed. Excellent knowledge of industry trends in the changing market place. Proficiency in interpreting and analyzing complex income tax returns and financial statements. Analyze and approve employee loan requests. Consistently meets appropriate service level timelines as designed for department. Maintain acceptable percentage level of charge-off loans. Exercise sound judgment and decision-making skills using the appropriate underwriting guidelines. Describe below the audience this role will interact with and level of influence they will have on those roles. This role will interact with individual contributors within Thrivent, external vendors, contractors and/or consultants, and manager and/or directors within Thrivent.
Requirements
- Bachelor’s degree or equivalent work experience required.
- Minimum 5 years experience in lending, preferably in a retail banking environment.
- Demonstrate a high level of interpersonal skills by relating well to others, displaying tact and diplomacy showing respect toward others’ opinions and reflecting a team player approach
- Excellent communication skills in writing and in person.
- Strong client-focused skills.
- Must be well-organized, efficient, and able to coordinate multiple tasks.
- Possess strong leadership, decision-making, and problem-solving issues.
- Knowledge of applicable Federal and State lending regulations.
- FNMA, Freddie, FHLB underwriting guidelines
Responsibilities
- Analyze and make credit decision on loans in accordance with all credit and Bank policies.
- Recommend underwriting criteria to be implemented within automated underwriting decision engine.
- Active in underwriting activities required to set the direction of the department.
- Recommend updates and changes to underwriting policies and procedures as needed.
- Excellent knowledge of industry trends in the changing market place.
- Proficiency in interpreting and analyzing complex income tax returns and financial statements.
- Analyze and approve employee loan requests.
- Consistently meets appropriate service level timelines as designed for department.
- Maintain acceptable percentage level of charge-off loans.
- Exercise sound judgment and decision-making skills using the appropriate underwriting guidelines.
Benefits
- various bonuses (including, for example, annual or long-term incentives)
- medical, dental, and vision insurance
- health savings account
- flexible spending account
- 401k
- pension
- life and accidental death and dismemberment insurance
- disability insurance
- supplemental protection insurance
- 20 days of Paid Time Off each year
- Sick and Safe Time
- 10 paid company holidays
- Volunteer Time Off
- paid parental leave
- EAP
- well-being benefits
- other employee benefits
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
5,001-10,000 employees
