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Consumer Lending Underwriter
2 months ago
Are you ready to leverage your expertise in a role that makes a difference? At Copper State Credit Union, we are committed to enhancing the financial well-being of families in Arizona through empowerment and support. As a not-for-profit financial cooperative, we prioritize the needs of our members, distinguishing ourselves from traditional for-profit institutions. With a dedicated team of approximately 140 employees, we offer a collaborative environment that fosters professional growth and meaningful contributions.
Key Responsibilities of the Consumer Loan Underwriter:
- Ensure responsible lending practices while safeguarding the financial interests of both members and the credit union, including prompt processing of applications from various channels.
- Thoroughly assess, analyze, and underwrite applications for personal, auto, and home equity loans in accordance with credit union policies and regulatory standards. Clearly document the rationale behind credit decisions.
- Review credit reports, income statements, tax returns, and other relevant documents to evaluate the risk associated with borrowers.
- Make informed decisions regarding loan approvals, denials, or conditions based on established guidelines and risk thresholds.
- Maintain compliance with regulatory requirements and internal policies, staying updated on changes in consumer lending laws and regulations.
- Act as a liaison for originators and consumer processing teams, collaborating with colleagues and vendors to gather necessary information and resolve discrepancies.
- Serve as a subject matter expert on consumer lending products and underwriting guidelines, providing guidance and support to staff.
- Foster and maintain relationships with internal teams and external vendors to effectively support consumer lending initiatives.
Technological Proficiency: - Effectively utilizes technology to enhance job performance and demonstrate its benefits to members.
Attention to Detail: - Exhibits meticulous attention to detail, prioritizing accuracy to complete tasks thoroughly.
Goal-Oriented: - Understands personal, departmental, and organizational objectives, effectively managing workload to meet targets.
Customer-Centric: - Adopts a people-first approach, prioritizing member needs with patience and empathy.
Judicious Decision-Making: - Capable of making decisions within established guidelines, involving management when necessary and articulating reasoning clearly.
Proactive Attitude: - A self-motivated individual who actively seeks opportunities for skill enhancement and additional responsibilities.
Accountability: - Takes ownership of responsibilities, demonstrating reliability to members and colleagues, and embraces feedback for improvement.
Effective Communication: - Clearly conveys recommendations, products, and services in an easily understandable manner, maintaining open communication with the team and management.
Collaborative Spirit: - Enjoys working with others and values teamwork.
Qualifications:
- Education equivalent to a high school diploma or GED is required; some post-secondary education is preferred.
- A minimum of 3 years of experience in a lending department or branch office of a credit union or financial institution is required, with at least 1 year in consumer loan underwriting.
- Comprehensive knowledge of consumer loan policies, credit criteria, interest rates, and required documentation for various loan types is essential.
- Ability to interpret major credit bureau reports and financial statements, including tax returns, is necessary.
- Strong analytical and problem-solving skills, with the ability to navigate complex situations effectively.
- Intermediate mathematical skills are required for calculations involving decimals, percentages, and fractions.
- Requires sound judgment to apply established practices to unique situations, with a focus on thorough investigation and creativity.
- Proficiency in computer skills and experience with consumer loan software programs are essential.
- Compliance with all consumer lending regulatory requirements is mandatory.
At Copper State Credit Union, we have been dedicated to meeting the financial needs of our members and their families since 1951. We emphasize building lasting relationships based on trust while expanding our range of products and services. Our focus on security, quality, and convenience creates an environment that values and respects our members, employees, and business partners.
