[Hiring] Consumer Loan Underwriter @ABNB Federal Credit Union

Role Description

The Consumer Loan Underwriter role is to analyze loan applications/requests and make credit decisions based on provided data, lending policy, and federal/state regulations.

• Analyzes current financial position of loan applicants to determine the degree of risk involved in extending credit.
• Makes decisions to approve, deny, or forward the loan request to higher levels of authority for decisioning.
• Establishes the terms and conditions of loan approval to include collateral.
• Assists the Loan Center Manager in coordination of duties including development and implementation of various lending programs in accordance with project goals and timelines.
• Assists all member-facing staff and loan staff with loan application and credit discussions.
• Assists with the processing and structuring of loans and loan applications.
• Answers questions regarding loan decisioning and provides feedback to management on quality of applications.
• Ensures loan decisions are in compliance with regulations, policies, and procedures.
• Refers issues that are beyond their authority to their supervisor, along with their recommendations.
• Other duties as assigned.

Qualifications

• A high school education or GED.
• Three years to five years of similar or related experience.
• Minimum 2 years experience in consumer and/or indirect lending.
• Project management experience is desired.
• Thorough knowledge and understanding of regulations governing loan approvals.
• Analytical ability to conduct an analysis of loan application quality and make recommendations for action.
• Possess high level of interpersonal skills.
• Must be able to operate various office equipment, PC with related software programs, and Microsoft Office Suite with average speed and accuracy.

Requirements

• Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation.
• Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
• Physical qualifications require being able to sit at a computer and other office-related equipment for extended periods of time.
• Be able to lift and carry up to 10 pounds.
• Office and Remote work environment.

Benefits

• Comprehensive employee benefits package, which features affordable medical, dental, and vision plans.
• Paid time off that begins accruing on your first day.
• Enjoy 11 paid federal holidays each year.
• 401(k) matching up to 4% with immediate vesting, plus an additional 2% match with future vesting.
• Company-paid short-term, long-term disability, and employee life and AD&D coverage.
• A tuition reimbursement benefit which reflects our investment in your future.
• Competitive pay along with opportunities for annual raises and promotions.
• Paid community involvement opportunities.
• A supportive environment which fosters an employee-centric workplace.