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Consumer Loan Underwriter

3 months ago

Eatontown, United States First Atlantic Federal Credit Union Full time
Job DescriptionJob Description

Would you like to join a growing, member-owned, not-for-profit financial institution that is one of the Best of the Best in Monmouth County per the Asbury Park Press Readers' Choice Awards? We have refreshed our brand and our new CEO and Leadership Team are focused on the well-being of our Employees and the enrichment of the work environment If this appeals to you and you would like to be part of a "Winning Team", then please consider applying for the Consumer Loan Underwriter position at First Atlantic Federal Credit Union.

Who we are:

Around here we do things differently. Maybe it's the ocean breeze. Or the music. Or the fact that we've been a part of the landscape for over 80 years. Around here we put our members first. Always have, and always will. At First Atlantic, local is more than a saying. It's knowing that when our community thrives, we all thrive. Our continued mission is to support our members and deliver the best value in financial services. It's where trust and tradition meet innovation and versatility, and the community is paramount.

First Atlantic is headquartered in Eatontown, New Jersey, with branches in Eatontown, Neptune, Oceanport, and Toms River. Anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean counties is eligible to join. Family members of a First Atlantic member can also belong.

What we are looking for:

We are seeking a Consumer Loan Underwriter to assist First Atlantic Federal Credit Union to live out our Mission and Vision by working directly with the Lending Manager to provide the best value financial services to members by providing outstanding service to both external and internal members.

Job Summary

The primary purpose of this position is to assist First Atlantic Federal Credit Union to live out our Mission to provide best value financial services to members by providing outstanding service to both members and internal members. In addition, provide quality member service, promote Credit Union loan products, examine, evaluate, and authorize or recommend approval of member applications for loans by performing the following duties. Assists members with their consumer needs, analyzing loan requests and making credit decisions based on lending policy.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

To deliver service in alignment with our Service Promises.

  1. Provide exceptional service.
  2. Value and care for our members.
  3. Treat people with respect and dignity.

Meets all established service goals.

Reviews loan applications to develop information concerning their loan needs, earnings, financial condition as well as cross sell opportunities that benefit the member and the credit union.

Prepares and/or reviews all loan documents for completeness and accuracy including but not limited to the quality control (QC) of funded loan files.

Analyzes current financial position of members to determine the degree of risk involved in extending credit or lending money. Makes decision to approve, disapprove, or forward the loan request to higher levels for decision according to the lending policy and loan matrix.

Establishes the terms and conditions of an approved loan and reviews them with the member or Indirect lending partner.

Explains loan programs to members, evaluates their needs and recommends loan options.

Keeps informed of current trends in credit.

Follows current loans to ensure compliance with terms and coordinates with Asset Recovery.

Authorize release of collateral on existing loans, changes in loan terms, waivers of payments, due date change, etc.

Participates in sales development activities.

Provides assistance to all departments and branches, involved with the selling of lending products.

Actively participate in community social events and major community activities involving the credit union.

Will maintain account relationship(s) with the credit union to better understand the products and services.



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