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Consumer Lending Underwriter I/II

3 months ago

Midlothian, United States Virginia Credit Union Full time
Job Description:
Consumer Lending Underwriter:

CPRIMARY FUNCTION:

To perform a full financial analysis of consumer loan applications. Apply the data analyzed to internal credit criteria, fraud and credit risk standards to render credit decisions on all consumer loan products. Using detailed consumer lending experience, provide a comprehensive and balance focused approach to lending in a high volume, demanding, and rapidly changing production environment. To have the ability to render specific, accurate and detailed decisions. Demonstrate a sound and practical approach lending to protect the interest of the credit union while ensuring fair and equitable decisions on all applications reviewed. Ensure decisions are supported by financial strength, reasonable credit risk and application criteria that support the guidelines of the organization both internally, Federally and on the State level. Maintain the highest level of professionalism, confidentiality of member information and professional service while maintaining adherence to department scheduling and service level agreements.

JOB DUTIES AND RESPONSIBILITIES:
  • To utilize the lending and internal systems to evaluate application data provided by all lending channels.
  • To calculate and analyze financial aggregates in relation to debt level and credit performance.
  • To be proficient in the interpretation and usage of FICO and the Bankruptcy Navigator scoring model to interpret the information, identify trends and assess risk.
  • To apply the organizations lending philosophy to all requests.
  • Apply a balanced, logical and consistent approach making sound lending decisions on all consumer loan products in conformity with all applicable federal and state regulations as well as internal policies and procedures.
  • Adhere to approval authority levels for consumer lending underwriters, as described in the Loan Operating Policies. All have the authority to approve up to 100% loan to value on Share and Certificate Secured loans. All limits are aggregate limits.
  • Maintain working knowledge of all internal procedures, policies, workflows, multiple operating systems, and system changes. Stay up to date on related lending, regulatory requirements and relevant industry standards.
  • Maintains a understanding of available tools and resources and the ability to locate applicable guidelines/procedures/policies
  • Ensure decisions are made in accordance with Loan Decision Service Level Agreement standards and loan review guidelines.
  • Document loans by utilizing the system to ensure loans are accurately reviewed, conditioned and communicated so business partners have a clear understanding of the loan decision.
  • Perform loan decision review for self-analysis, coaching, peer review, decision calibrations and consistency measures.
  • Assist management in the review of individual monthly charged off loans to identify trends and adjust risk tolerances as needed
  • Ensure all verbal, written and decision information is efficient, clear and professional.
  • Analyze , evaluate and make recommendations to management for requests that are high in risk and amount beyond consumer lending authority.
  • Demonstrates/promotes collaborative engagement with peers; active participation in meetings, being a positive contributor; creative/collaborative problem solving; and championing of our process, tools, and product offerings
  • Is an active member and contributes positively to the success of the underwriting team and the consumer lending department
  • Promote and demonstrate teamwork and internal quality service with other areas of the credit union.
  • Identify opportunities for other lending products to support the organizational loan growth goals.
  • Provide feedback and insight into the department workflow, system operations and production practices to improve service and increase efficiency.
  • Assist in mentoring and training less experienced analysts
  • Maintain working knowledge of processes with outside vendors utilized as it relates to processing of applicable loan products.
  • Contribute positive production results that meet the individual, team, and department goals.
  • Maintain the ability to work remotely for staffing, schedule accommodation and business continuity needs.
  • Contribute consistently and positively in department discussions, activities, training and continued education events.
  • Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies.
  • Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security.
  • Report all Risk Management Policy violations in accordance with policy.
  • Perform other duties as assigned
JOB QUALIFICATIONS:

Knowledge / Skills:
  • The ability to achieve goal oriented results and adjust to change in a high paced production environment.
  • The ability to professionally receive, apply and convey information related to loan decisions including alternative decision options.
  • The ability to maintain professionalism and demonstrate the highest level of skill during periods of intensified volume and pressure.
  • Excellent written and verbal communication skills required. The ability to speak comfortably to small groups preferred.
  • Strong computer and organizational skills.
  • Knowledge of consumer loan policies, procedures, workflows, and guidelines.
  • Knowledge and compliance with lending guidelines and regulations.
Minimum Education and Experience:

Prior experience as a consumer loan underwriter with the authority and experience to make credit decisions on consumer loan products required. High school degree required. College degree preferred.

Physical Requirements: Ability to sit for long periods of time. Infrequent lifting or carrying of objects up to 10 pounds. Ability to speak and hear clearly with reasonable accommodation. Must have the ability to accommodate working on weekends, extended hours and changes in scheduling.

Sr Consumer Lending Underwriter:

PRIMARY FUNCTION:

To perform financial risk analysis on high risk and amount consumer loan applications. Apply the analyzed data to internal credit criteria, fraud and credit risk standards. Render those decisions on all consumer loan products. Using detailed consumer lending experience, provide a comprehensive and balance focused approach to lending in a high volume, demanding, and rapidly changing production environment. Act as a role model, mentor and trainer for less experienced and new analysts. Provide support to the Consumer Lending Underwriting Director and Consumer Lending Underwriting Supervisor in rendering decisions on high risk and complex loans. Demonstrate a sound and practical approach lending to protect the interest of the credit union while ensuring fair and equitable decisions on all applications reviewed. Ensure decisions are supported by financial strength, reasonable credit risk and application criteria that support the guidelines of the organization both internally, federally and on the state level. Maintain the highest level of professionalism, confidentiality of member information and professional service. Maintain adherence to department scheduling and service level agreements. Represent the department as a consumer credit and lending subject matter expert.

JOB DUTIES AND RESPONSIBILITIES:
  • Maintain a higher level of performance both in production and quality of decisions and conduct.
  • To render higher risk loan decisions and recommendations on detailed, complex and escalated loans in a proficient and decisive manner.
  • Make recommendations to the Consumer Lending Underwriting Director and Consumer Lending Underwriting Supervisor for workflow adjustments based on volume and staffing as needed.
  • Train new or less experienced analysts while supporting and mentoring experienced analysts.
  • Coordinate and perform testing for system releases, new system integrations and updates.
  • To utilize lending and internal systems to evaluate financial and credit data provided by all lending channels.
  • To calculate and analyze financial aggregates in relation to debt, income and credit performance.
  • To be proficient in the interpretation and usage of FICO and the Bankruptcy Navigator scoring model to interpret the information, identify trends and assess risk.
  • To apply the organizations lending philosophy to all requests.
  • Approval authority levels for consumer lending underwriters, as described in the Loan Operating Policies. All have the authority to approve up to 100% loan to value on Share and Certificate Secured loans. All limits are aggregate limits.
  • Apply a balanced, logical and consistent approach making sound lending decisions on all consumer loan products in conformity with applicable federal and state regulations as well as internal policies and procedures.
  • Maintain working knowledge of internal procedures, policies, workflows, multiple operating systems, and system changes. Stay up to date on related lending, regulatory requirements and relevant industry standards.
  • Maintains a understanding of available tools and resources and the ability to locate applicable guidelines/procedures/policies
  • Document loans by utilizing the system to ensure loans are accurately reviewed, conditioned and communicated appropriately so business partners have a clear understanding of the loan decision.
  • Assist management in the review of team and individual monthly charged off loans to identify trends and adjust risk tolerances as needed
  • Demonstrates/promotes collaborative engagement with peers; active participation in meetings, being a positive contributor; creative/collaborative problem solving; and championing of our process, tools, and product offerings
  • Is an active member and contributes positively to the success of the underwriting team and the consumer lending department
  • Ensure decisions are made in accordance with Loan Decision Service Level Agreement standards and loan review guidelines.
  • Perform loan decision review for self-analysis, coaching, peer review, decision calibrations and consistency measures.
  • Ensure all verbal, written and decision justification information is efficient, clear and professional.
  • Evaluate and make recommendations to management for requests that are high in risk and amounts beyond consumer lending authority.
  • Promote and demonstrate teamwork and internal quality service with all areas of the credit union.
  • Identify opportunities for other lending products to support the organizational loan growth goals.
  • Provide feedback and insight into the department workflow, system operations and production practices to improve service and increase efficiency.
  • Maintain working knowledge of processes with outside vendors utilized as it relates to processing of applicable loan products.
  • Contribute production results that meet the individual, team, and department goals.
  • Maintain the ability to work remotely for staffing, schedule accommodation and business continuity needs.
  • Contribute consistently and positively in department discussions, activities, training and continued education events.
  • Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies.
  • Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security.
  • Report all Risk Management Policy violations in accordance with policy.
  • Perform other duties as assigned
JOB QUALIFICATIONS:

Knowledge / Skills:
  • Perform a swift, efficient and complete review of consumer loan requests in a lending production department with an average monthly decision volume of 6,000 loan decisions per month.
  • The demonstrated ability to train, mentor and guide inexperienced and fully experienced consumer analysts.
  • Maintain working knowledge and conformity with all internal procedures, policies, workflows, operating systems, state and federal regulatory requirements and guidelines.
  • The ability to professionally receive and convey information related to loan decisions including alternative decision options.
  • The ability to maintain professionalism and demonstrate the highest level of skill during periods of intensified volume and pressure.
  • Excellent written and verbal communication skills required. The ability to speak comfortably to small groups preferred.
  • Strong computer and organizational skills.
  • Knowledge of consumer loan policies, procedures, workflows, and guidelines.
  • Knowledge and compliance with lending guidelines and regulations.


Minimum Education and Experience:

Significant experience as a consumer loan underwriter with the authority and experience that demonstrates proficiency and the ability to make decisions on consumer loan products that fall outside of standard decisioning guidelines required. Experience in a training, leadership or supervision role preferred. High school degree required. College degree preferred.

Physical Requirements: Ability to sit for long periods of time. Infrequent lifting or carrying of objects up to 10 pounds. Ability to speak and hear clearly with reasonable accommodation. Must have the ability to work weekends, extended hours and changes in scheduling to assist with team coverage.