Consumer Loan Underwriter I Seaway Admin Gulfport
2 months ago
Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include:
- Medical, dental, and vision insurance
- Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
- Employee and Dependent Life Insurance
- 401(k) Retirement Plan with 100% match on the first 5% contributed by you
- Paid Leave
- Tuition Reimbursement and Competitive Scholarships
- Short Term & Long Term Disability Benefits
- Employee Assistance Program
Position: Consumer Loan Underwriter I
Department:Consumer Lending
Reports to: Sr. Consumer Loan Underwriter
FLSA:Non-ExemptGrade: H10
SUMMARY
Responsible for evaluating and analyzing all loan application information submitted in the process of loan approval or disapproval and makes decisions on consumer loan requests within designated approval authority, based on KFCU lending policy and guidelines.
SUPERVISORY RESPONSIBILITIES
None
ESSENTIAL FUNCTIONS
- Reviews and interprets credit reports and loan applications to make sound loan decisions within acceptable time parameters.
- Evaluates past and present credit information and other related factors in order to make a quality loan decision.
- Identifies and understands debt restructuring and alternatives to lending with regard to the security and best interests of the credit union as well as the member.
- Recognizes opportunities and suggests the cross selling of credit union products and services to members.
- Offers guidance and assistance with loan building, credit interpretation, credit union policies and procedures to other staff members as needed.
- Reviews loan documentation, verification of income, collateral appraisals and other documents as needed for loan underwriting.
- Calculate, analyze, evaluate and make independent decisions on credit, income, assets and risk to determine the income or probability of repayment for loan requests.
- Reviews and is knowledgeable of reports provided by Lending Management.
- Responsible for meeting department goals and standards as assigned by Lending Management.
- Responsible for compliance with all Federal regulations including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC)
- Performs all other duties deemed necessary to enable the department to meet its goals.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.The requirements listed below are representative of the knowledge, skills and/or abilities required.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education:
- (1) A two year college degree or equivalent or (2) Completion of a specialized course of study at a business or trade school or (3) Completion of a specialized and extensive in-house training or apprenticeship program.
- Two to three years of similar or related experience.
- Minimum of three years lending experience. Familiarity with credit scores, standards concepts, practices, and procedures within the lending field.
- Ability to understand and implement consumer lending regulations, KFCU policies, consumer lending guidelines and procedures.
- Ability to communicate effectively, professionally and explain complex financial concepts in terms that are easily understood.
- Knowledge of loan origination systems ( Meridian Link, Symitar)
- Must possess an outgoing personality with a helpful attitude and well developed sales culture toward credit union services and products.
- Accuracy and attention to detail required.
- Excellent interpersonal skills with members and other employees required.
- Must be able to work in a fast-paced environment with minimal supervision.
- Must be a self-starter, flexible, adaptable and highly motivated.
- Must maintain confidentiality and display dependability.
- Overtime may be required as work and circumstances require.
- Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.
Being approachable, supportive, respectful, embracing continuous improvements and team-oriented.
Computer Skills:
- Extensive use of personal PC required.
- Must be proficient in Microsoft Word, Excel, as well as use of internet and e-mail.
Certificates, Licenses and Registrations:
None required
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit, stand and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear.The employee is occasionally required to kneel, crouch, or stoop.The employee is occasionally required to lift and/or move up to 10 pounds.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Extensive use of desktop computer is required. Extensive use of a telephone headset or handset is required. The noise level is that of a normal office environment.
DECLARATION
The human resources department retains the sole rights and discretion to make changes to this job description.
#HPIND
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
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