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Loan Underwriting Officer

3 months ago

Idaho Falls, United States Westmark Credit Union Full time
Job DescriptionJob DescriptionDescription:

Discover the Westmark Difference


Are you looking for a career? Do you want to be valued as an individual on a team? Do you want to learn, grow, and make a difference in your community? Westmark offers outstanding stability, a variety of career opportunities and exceptional work/life balance.

· 60 % of our employees have been part of the Westmark family for 5+ years.

· 71% of our employees who have been part of the Westmark family for one year or more have received at least one promotion.

· 85% of our managers were promoted from within the company.

· Westmark has been in business since 1954 and has recently grown to over $1.2 billion in assets, 15 branches, and over 70,000 members


We also have some of the most impressive benefits in the industry:

· Paid Time Off (3 to 5 weeks per year, depending on tenure) PLUS 11 paid holidays.

· Excellent health insurance options for employees and family with shared premiums

· 401k with 75% company match and 2% profit sharing contribution

· Tuition Reimbursement and Scholarships

· Employee Assistance Program (Free counseling and legal services)


Position Summary: Under general direction is responsible for processing and approving online membership and consumer loan application requests. Additionally, responsible for the efficient, effective, and accurate underwriting of branch C- and D-grade loan requests and performing income tax analysis and accurate document preparation for branch HELOC, second mortgage, and short-term first mortgage requests.


Hours: Monday - Friday 8:00 am - 5:00 pm with rotating Saturdays from 9:00 am - 1 pm (current rotation is one per month)


Essential Functions and Basic Duties:

  • Primarily responsible for monitoring and processing online originated loan applications and preparing monthly reports for all personal activity and results to the VP of Consumer Lending.
  • Assist the VP of Consumer Lending in the development and delivery of direct mail marketing for Westmark Branch and Full Service Lending Center offers including pre-approved loans, credit cards, and deposit products.
  • Utilize the Full Service product offers to provide additional products and service to our members.
  • Achieve quarterly, semi-annual, and annual goals as assigned by the VP of Consumer Lending.
  • Embrace the Full Service Culture and make efforts to succeed.
  • Underwrite branch C- and D-grade loan requests in a timely and accurate manner.
  • Underwrite and process direct Take Two loans.
  • Efficiently and accurately prepare loan documents for Home Equity, Second Mortgage, and Short-Term First Mortgage loans for branch lenders to ensure compliance with necessary regulations.
  • Perform tax analysis for self-employed borrowers as necessary.
  • Will complete loan reviews as directed by the VP of Consumer Lending.
  • Perform any and all other duties as assigned by the VP of Consumer Lending.

Performance Measurements:

  • Demonstrates exceptional analytical skills and accuracy.
  • Promotes teamwork, cooperation, and open communication among employees
  • Is able to interact with members and co-workers professionally and with integrity.
  • Shows a positive and enthusiastic attitude.
  • Maintains a reliable attendance record and takes responsibility for their own actions.
  • Represents Westmark, both during and after work hours, in a courteous, professional manner.


Requirements:

Required Knowledge and Abilities:

  • Effective oral and written communication, analysis and problem-solving skills.
  • Thorough knowledge of all Westmark loan products.
  • Ability to perform mathematical calculations commensurate with lending functions.
  • Thorough understanding of Westmark’s lending policies and procedures, credit underwriting standards, and credit grading.
  • Advanced Excel skills, including data sorting, data filtering, and formulas.
  • Excellent organizational skills, with attention to detail and accuracy.
  • Is goal and performance driven to succeed and obtain objectives assigned by management.

Minimum Qualifications:

  • Six months or more experience in lending at Westmark; OR other loan officer/lending training with one or more years of experience at another financial institution; OR a combination of relevant credit union and lending background or experience.
  • Bachelor’s Degree in a financially related field with emphasis in business, finance, or accounting; or high school diploma and a minimum of one year of relevant banking or credit union experience; or a combination of formal education, training, and applicable experience.