Indirect Loan Underwriter
2 weeks ago
The primary role involves assessing a substantial volume of loans while applying expertise and discretion in credit evaluation. This position focuses on underwriting loans initiated by dealers and serves as a support for direct consumer lending operations.
The Underwriter evaluates the creditworthiness of applicants, analyzes loan and collateral data, and reviews notes from loan officers to make informed decisions within established guidelines. They communicate loan decisions and alternatives to loan officers and dealer partners.
The Underwriter is recognized as an expert in lending products and procedures, delivering outstanding member service through prompt, thorough, and reliable interactions with internal stakeholders.
Maintaining up-to-date knowledge of credit criteria, interest rates, and loan documentation requirements is essential, as is providing assistance to others by addressing inquiries related to these topics. The role fosters a collaborative team environment and contributes recommendations for process and policy enhancements.
Remote Work and Travel:
Remote or hybrid work arrangements may be available at management's discretion. Candidates must reside in the State of Idaho, and some travel may be necessary.
Key Responsibilities:
- Make effective credit decisions to optimize revenue while minimizing risk.
- Respond promptly to communications from dealer partners via phone and email.
- Build and maintain strong relationships with dealers through professionalism, knowledge, and responsiveness.
- Stay informed about and comply with all applicable Federal, State, and local regulations by reviewing current and new legislation.
- Contribute to team objectives by focusing on achieving credit union goals.
- Prepare and analyze reports by gathering, evaluating, and summarizing data as required by management.
- Identify opportunities for cross-selling and relationship building with members, advising internal teams on product offerings.
- Work independently within authorized limits, adhering to established credit union policies and guidelines.
- Demonstrate a solid understanding of interest calculations, terms, and payments, and effectively communicate these to others.
- Participate in individual and group projects, as well as other duties as assigned.
- Assist in identifying training needs and may conduct training for new and existing lending staff.
- Provide guidance to dealer contacts regarding loan products and procedures.
- Maintain comprehensive knowledge of lending policies and procedures, including consumer and small business lending as applicable.
- Manage multiple tasks efficiently in a fast-paced environment.
- Identify process improvements and contribute to the development of new operational methods.
- Assist in formulating and communicating new policies and procedures.
- Maintain positive communication with branch staff and indirect lending partners.
- Ensure compliance with procedures and policies, taking responsibility for audit results of individual work.
- Deliver exceptional service to both internal and external members.
- Understand and comply with all Credit Union Policies and Procedures, as well as State and Federal laws and regulations, including the Bank Secrecy Act (BSA).
- Complete additional duties as assigned by management.
Qualifications:
- High school diploma or equivalent required.
- Minimum of two years of consumer lending experience, with prior experience in a full-service financial institution preferred.
- Underwriting experience is advantageous.
- Professional demeanor and attitude.
- Strong analytical, financial, and problem-solving abilities.
- Excellent verbal and written communication skills, including loan interviewing and public relations, along with proficiency in standard software applications.
- Ability to comprehend and interpret written communications such as policies and legal documents.
- Effectively resolve problems, present solutions, and manage conflicts.
- Collaborate effectively with colleagues to uphold the credit union's quality and service standards.
- Perform job functions independently with minimal supervision while also being a team player.
- Ability to follow written instructions and verbal directions accurately.
- Maintain composure in high-pressure situations, demonstrating professionalism and confidentiality.
- Exhibit high levels of accuracy and quality in work, managing multiple tasks and shifting priorities effectively.
- Demonstrate reliable attendance and be available to work as needed.
Work Schedule and Location:
- Remote or hybrid work options may be available at management's discretion.
- Ability to work 10-hour shifts, with a flexible schedule as required.
- Willingness to work multiple Saturdays each month.
Physical Requirements:
This position primarily involves sedentary work with limited physical exertion, including occasional lifting of up to 10 lbs. Routine office equipment operation, such as computers, telephones, and copiers, is required. The role may involve working on a computer for extended periods, and some locations may necessitate the ability to navigate stairs in emergency situations.
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