Consumer Loan Underwriter

4 days ago

South Boston, United States City of Boston Credit Union Full time
_*Overview*_

Check below to see if you have what is needed for this opportunity, and if so, make an application asap.

As a Consumer Loan Underwriter, you will play a key role in the lending process by evaluating and underwriting consumer loan applications. Primary responsibilities will include assessing creditworthiness, ensuring compliance with lending policies, and making informed decisions to support the credit union's goals. The ideal candidate will possess a strong analytical mindset, attention to detail, and a thorough understanding of consumer lending practices.

Specific duties include, but are not limited to, the following:
* Loan Application Review: Evaluate consumer loan applications to determine creditworthiness and adherence to lending policies. Analyze credit reports, income documentation, and other relevant financial information.
* Risk Assessment: Assess the level of risk associated with each loan application. Make recommendations for loan approvals or denials based on established criteria.
* Compliance: Ensure compliance with federal, state, and local lending laws and regulations. Stay updated on changes in regulatory requirements and adjust underwriting practices accordingly.
* Communication: Collaborate with branch staff, members, and other stakeholders to gather additional information when necessary. Communicate underwriting decisions to relevant parties in a clear and timely manner.
* Documentation: Maintain accurate and thorough documentation of the underwriting process. Ensure that all required documentation is collected and retained in accordance with regulatory guidelines.
* Customer Service: Provide support to the all staff by offering insights into underwriting decisions. Address inquiries from members regarding the underwriting process professionally and courteously.
* Prepare weekly/monthly reports for management, Credit Committee, and the Board, as needed.
* Additional duties as assigned by management.

_*Requirements*_
* Bachelor's degree in finance, business, or a related field or equivalent working experience.
* Three to five (3 to 5) years’ experience underwriting consumer loans in a credit union or banking environment.
* Strong understanding of consumer lending practices, credit analysis, and risk assessment.
* Familiarity with loan origination systems and financial software.
* Excellent analytical and problem-solving skills.
* Attention to detail and a commitment to accuracy.
* Effective communication and interpersonal skills.

_*Job Type: *_Full-time

_*Benefits:*_
* 401(k)
* Dental insurance
* Health insurance
* Life insurance
* Paid time off
* Vision insurance

_*Payment frequency:*_
* Paid weekly

_*Work setting:*_
* In-person
* Office

_*Education:*_
* Bachelor's (Required)

_*Experience:*_
* 3-5 Year experience in underwriting consumer loans required

Job Type: Full-time

Benefits:
* 401(k)
* Dental insurance
* Health insurance
* Life insurance
* Paid time off
* Retirement plan
* Vision insurance
Schedule:
* 8 hour shift

Location:
* South Boston, MA (Required)

Ability to Commute:
* South Boston, MA (Required)

Ability to Relocate:
* South Boston, MA: Relocate before starting work (Preferred)

Work Location: In person

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