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About the Role
This position is responsible for underwriting consumer and home equity loans within designated lending authority and in accordance with credit union policies and procedures.
Responsibilities
- Underwrite consumer loan applications including secured loans, unsecured loans, credit cards, and home equity loans.
- Analyze loan requests to determine borrower creditworthiness and assess overall risk.
- Ensure loan requests comply with Credit Union lending standards, guidelines, and applicable regulations.
- Make underwriting decisions within the stipulated time frame and individual lending authority.
- Communicate lending decisions clearly and provide alternative options for members whose loans cannot be approved.
- Maintain individual lending authority level 6 or higher.
- Recommend loans exceeding individual lending authority to the Underwriting Manager or appropriate personnel.
- Effectively communicate decisions verbally and through the loan origination platform.
- Contribute to and support Underwriting and Credit Union goals.
- Provide support to other areas of the credit union.
- Participate in First Source Federal Credit Union and designated Community events.
- Attend or participate in necessary compliance training, including Bank Secrecy, OFAC, and Privacy.
- Attend training sessions as appropriate.
- Travel as needed.
- Perform other duties as assigned.
Requirements
- High School plus 3-5 years related experience OR related business degree
- Strong communication and analytical skills with a refined attention to detail
- Ability to perform well and keep up responsibilities in a high volume, fast-paced working environment
- Ability to multitask while staying organized
- Strong verbal and written communication skills to deliver strongly supported decisions
- Proficient computer skills with a high level of computer literacy for various core operating systems
- Professional appearance
- Ability to work flexible hours as needed
Skills
- Communication skills
- Analytical skills
- Attention to detail
- Multitasking
- Organization
- Verbal communication
- Written communication
- Computer skills
- Computer literacy
Experience Level
- 3-5 years related experience
Education Level
- High School
- Related business degree
About the Company
- Knowledgeable and Experienced: Take personal ownership for learning and using knowledge to provide value.
- Striving for Operational Consistencies: Make it easy through consistency, efficiency, and accuracy.
- Rewarding Work Environment: Show care, compassion, and respect toward everyone.
- Committed to Member Service: Deliver exceptional member service.