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Consumer Lending Underwriter II

2 months ago

Anaheim, United States Wescom Credit Union Full time
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Current Wescom Employees: Please visit the Career Center in Workday to search and apply for a current job opening.

We value and rely on the unique talents and contributions of our employees to absolutely excel in member engagement by Delivering Signature Experience.

Salary Grade:
157N
Salary Pay Range for This Position:
$34.04 - $49.38
POSITION SUMMARY:

The Consumer Lending Underwriter II is part of the Consumer Lending Originations Department and serves as a Loan Officer for Consumer Lending. This position is responsible for underwriting and evaluating consumer loan applications received from all delivery channels while providing fast, efficient loan turnaround to members, and departments that originate consumer loan applications including the branches and the Member Contact Center

The Consumer Lending Underwriter II must be proficient in lending regulations and Wescom's lending policies and procedures. The Consumer Lending Underwriter II must be knowledgeable of prime, mid-prime and sub-prime lending. Will assist the Consumer Lending Originations Manager and Supervisor with special projects which may include producing weekly and monthly key indicator reports

Acts as Department Quality Control Specialist who participates in the development and implementation of quality control measures to ensure Consumer Lending maintains high standards for quality control and efficiency of lending processes. Works the regular quality control reports, evaluates the results, and makes recommendations as necessary to the Manager

ESSENTIAL POSITION FUNCTIONS:

Reviews, underwrites and evaluates all consumer loan applications. Handles escalated calls in relation to credit decision appeals. Maintains a high level of service and support to the frontline. Promotes advocacy, and continually focuses on member service.

Works closely with the Consumer Lending Originations Manager and Supervisor to meet departmental goals.

Responsible for maintaining and achieving individual and team goals.

Actively and efficiently adheres to underwriting guidelines and turnaround standards as set by Consumer Lending Management.

Promotes a high level of member service and satisfaction among all Consumer lending personal and processes.

Assures Wescom's policies and procedures are followed.

Ensures regulatory compliance for all consumer lending products, policies and procedures.

Provides a second review of loan applications from a Consumer Lending Underwriter I and ensures exceptions are noted in every loan application.

Participates in testing of new loan and system software releases. Providing feedback assisting in implementation of new lending systems and modifications to existing systems.

Responsible for the completion of special projects or assignments as appointed by the Consumer Lending Originations Manager or Supervisor.

Responsible for developing and working quality control reports for the Consumer Lending products and functions. This includes underwriting, funding, file maintenance changes, loan performance, documentation and collateralization.

Performs other duties as assigned.

Effective communication skills, both written and oral, detail oriented, good organizational skills, ability to work in a fast paced environment, proven ability to work well with others and to be a team player, and professional appearance and conduct

Required to work independently with minimal supervision and has the ability to resolve issues with minimal external intervention.

Required to work on Saturday's on a rotational basis.

EDUCATION, EXPERIENCE, SKILLS AND ABILITIES:

High School graduate. Bachelor's Degree preferred.

Previous financial industry and customer service experience preferred.

Previous Loan Officer experience with a financial institution desirable.

Knowledge of Lending Regulations and previous Credit Union/Banking and Consumer Lending experience is essential.

Must have excellent written and verbal communication skills.

Excellent analytical skills; accuracy, consistency, and completeness is critical.

Demonstrated interpersonal skills, professional conduct and appearance.

Knowledge of Credit Union operations and ability to integrate and communicate critical information to members and other team members.

Ability to handle multiple tasks simultaneously with a high level of accuracy and attention to detail.

COMPUTER SKILLS:

Proficient in Microsoft applications (Word, Excel, Outlook, PowerPoint). Must be proficient in technology applications including the Credit Union's operating system and specialized software required for performance of position.

Proficiency in Temenos, Symitar and Lenders Protection systems preferred

MATHEMATICAL SKILLS:

Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to compute rates, ratios and percentages and to draw and interpret bar graphs

Expert in analyzing financial statements and/or income tax returns.

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. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle or feel; reach with hands and arms, climb or balance, stoop kneel, crouch, crawl; talk or hear and taste or smell. The employee must occasionally lift and/or move up to 10 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

WORK ENVIRONMENT:

This position may qualify as Remote or Hybrid with a home base at one of Wescom's offices. The Remote or Hybrid status may be discontinued by Wescom in its sole discretion at any time and for any reason or no reason, with or without notice by Wescom or Employee.

The work environment characteristics described here are representative of those an employee encounters while performing functions of this job.

The noise level in the work environment is moderately quiet. It is a non-smoking environment.

The above job requirements are representative of minimum levels of knowledge, skills, and abilities. The marginal functions have not been included. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This job description in no way implies that these are the only duties to be performed. An employee will be required to follow any other job-related instructions and duties as requested by the supervisor and/or management.
If you are applying for a Hybrid/Remote position, please note applicants are required to reside within our Wescom service areas which are defined as the following counties: Los Angeles, Orange, San Bernardino, Riverside, Ventura, Santa Barbara, San Diego, Imperial ,Fresno, Kern, Kings, Madera, Merced, Mariposa, Monterey, San Benito, San Joaquin, San Luis Obispo, Santa Cruz, Stanislaus and Tulare counties.