Loan Underwriter

2 weeks ago

Santa Monica, United States California Lithuanian Credit U Full time

Loan Underwriter plays a crucial role in the loan origination and portfolio management process. Here are some of the key responsibilities associated with this position:

- Loan Approval and Verification:

- Verify Documents: They ensure that all necessary documents are accurate and complete before approving loans.
- Risk Assessment and Classification:

- Loan underwriters determine and classify potential financial risks and problems that could arise during the loan process.
- Analyzes required income documentation including personal or business tax returns, rental property analysis, K-1, etc.
- Lending Activities and Policy Implementation:

- Control Lending Activities: They implement lending activities for all loan programs.
- Collections Management: Loan underwriters implement collections activities and strategies, ensuring timely payments from borrowers.
- Policy Implementation: They ensure that company policies related to loans are effectively implemented.
- Reporting and Communication:

- Monthly Reports: Loan underwriters prepare monthly portfolio and financial reports for various stakeholders.
- Communication: They regularly communicate with credit administration, commercial business managers, and legal counsel to address due diligence issues.

**RESPONSIBILITIES**:

- Implements and supervises daily operations of the underwriting process, including processing, credit analysis, and document preparation.
- Implements underwriting strategy and operational policies for product lines.
- Develops underwriting team expertise through coaching, support, and educational programs.

**QUALIFICATIONS**:
**Education, Experience, Knowledge**:

- Consumer credit underwriting or senior level processing required
- Consumer Home Equity processing required, underwriting preferred
- Residential First Mortgage experience preferred
- 1-3 years of experience in the related area as an individual contributor.
- 1-3 years of supervisory experience is preferred
- Associates degree or equivalent financial institution credit experience

Bachelor’s degree preferred

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