Consumer Loan Underwriter PT

US-WI-Janesville
Job ID
2017-1408
Category
Operations

Roles

What you should know about Advia

Advia is a fast growing Credit Union that is positioned in the top 3% of credit unions across the United States with over 1 billion in assets.  We offer very similar product and services as the big banks with a focus on saving our members money while providing financial advantages.  We are rooted in our communities and believe we have a responsibility to give back outside of our four branch walls through volunteering and charitable donations.  The work environment at Advia is fast-paced, performance based and fun infused.  We certainly live by the saying “work hard, play hard.”  As an employee of Advia, you can expect regular and constructive feedback, development opportunities, great benefits, excellent co-workers and engaged managers.

 

What you should know about the role

Serves as the primary centralized lending officer for consumer loan decisions. Receives and evaluates member loan requests. Acts as a resource for information regarding loan decisions , member loan inquiries, and credit union lending products and services. Responsible to approve or deny loans within limits assigned and to provide the highest quality of service to our members attempting to maximize the number of service relationships the member has with the credit union.

 

As a Consumer Loan Underwriter, you will have opportunities to:

  • Touch all aspects of Consumer Lending and have a direct impact on our members
  • Be mentally stimulated and provided the opportunity to use my analytical skills
  • Work independently while being a part of a fun and collaborative team

Major Duties

  • Receives member loan requests, processes, evaluates and underwrites loan requests using judgment and discretion in making decisions to satisfy the member needs. Loans outside of guidelines or approval parameters are escalated to the Consumer Lending Manager or VP of Lending with a recommendation as to the loan decision for each loan.
  • Responsible for communicating loan decisions to Loan Processor(s) including the ability to discuss loan approvals, denials, or counter offers in a clear, concise and courteous manner.
  • Cross-services members on various organization lending products including ancillary products and other consumer loans.
  • Obtains and evaluates credit bureau reports, income documentation, collateral valuation reports, flood certifications, title information, and other factors relevant to the underwriting of consumer loans.
  • Recommends alterations or revisions to department policies and procedures as needed.
  • Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

 

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

 

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

 

Acknowledgement

Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time. Advia Credit Union is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

Skills & Experience

Experience

Three years to five years of similar or related experience, including preparatory experience.

 

Education/Certifications/Licenses

A two-year college degree or completion of a specialized course of study at a business or trade school equivalent to approximately 64 credit hours.

 

Interpersonal Skills

A significant level of trust, credibility and diplomacy is required. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance.

 

Other Skills

Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment.

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