Consumer Underwriter

Position Summary:

Seeking a qualified individual to underwrite consumer loan requests to include: auto, motorcycle, RV, unsecured and home equity lines of credit. This individual will be a consumer loan product and procedure expert.  

Position Description:

Essential duties and responsibilities include the following. Other duties may be assigned.

• Underwrite consumer loan applications using established policies and procedures.

• Collaborate with Consumer Loan Officers to ensure:

• **Loan applications are complete
• **All required supporting documentation is obtained
• **Required disclosures are provided on a timely basis
• **Proper analysis of borrower credit worthiness
• **Proper evaluation of collateral credit worthiness
• **Compliance with Fair Lending Regulations

• Maintain knowledge of loan products, policies and procedures, credit criteria, underwriting standards, interest rates and loan documentation requirements.

• Utilize consultative approach with loan officers regarding denied loan applications.

• Provide exceptional customer service to consumer lending team.

• Recommend operational procedures to increase effectiveness of department operations.

• Work together with all areas of lending including origination, consumer lending, commercial lending or any department within TBK Bank to ensure an efficient and effective team based division.

• Participate in department and/or strategic projects as required

Qualifications:

• High school diploma or general education degree (GED) required

• 2 - 4 years of related experience preferred

• Familiar with Fair Lending practices

• Understanding of Fair Lending reporting

• Familiar with lending industry guidelines

• Detail oriented with exceptional organizational skills

• Excellent verbal and written communication skills

• Solid knowledge of Microsoft Word, Excel, and Outlook

The work environment characteristics described here maybe encountered while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Moderate noise (i.e. business office with computers, phone, and printers, light traffic).

• Ability to work in a confined area.

• Ability to sit at a computer terminal for an extended period of time. Occasional stooping or kneeling may be necessary.

• While performing the duties of this job, the employee is regularly required to stand, sit, talk, hear and use hands and fingers to operate a computer keyboard and telephone.

• Specific vision abilities are required by this job due to computer work.

• Light to moderate lifting is required.

• Regular, predictable attendance is required.

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