Consumer Loan Underwriter
Consumer Loan Underwriter
Located at our Longview, WA office (This is not a remote position)
Fibre Federal Credit Union
offers a vibrant, exciting, and challenging workplace in the fast-paced
financial industry in the Lower Columbia region and along the Oregon coast.
Join our team and see what it means to be people helping people.
Fibre Federal Credit Union is seeking a Consumer Loan Underwriter for our
Longview, WA location.
Wage Range: $28.81 - $45.01
* The range above allows our employees room
for growth through annual merit and other pay increases based on performance.
The target pay range for this position is typically within the first half
of the range. Compensation decisions are determined using factors such as
relevant job-related skills, experience, and education or training.
Should an offer for employment be made, we will consider individual
qualifications.
BENEFITS
-Competitive Salary
-Benefits Package including: 100% employer paid health, dental, vision, life,
and disability insurance for the employee
-Paid Vacation Time
-Paid Volunteer Hours
-6% 401(k) Plan Contribution
-10 Paid Holidays
-2 Floating Holidays
-Opportunities for growth within the company
PRIMARY FUNCTION
Responsible for reviewing and processing loan applications received primarily through our direct lending channels in accordance with established retail lending guidelines. Must have the ability to determine credit worthiness of loan requests based on objective criteria and loan policy. Approves or denies loan applications based on analysis. Performs all reasonable tasks to protect the Credit Union from undue financial loss. Performs a variety of support duties related to the lending function within the Credit Union.
SPECIFIC RESPONSIBILITIES
· Must evaluate credit applicants for future loan approval.
· Approves or denies loans and terms within the loan underwriter's own limits and established policies of the Credit Union.
· Maintain delinquency and charge-off ratios within the established policies of the Credit Union.
· Communicate the status of member applications with loan originators and loan processors.
· Training new loan underwriters.
· Attend underwriting training as necessary.
· Follows Credit Union procedures as outlined in the Loan Department procedures and Policy Manuals, ensuring all dual control and internal controls are followed within their area of responsibility.
· Review and analyze tax returns to verify income.
· Provide assistance where needed in the Loan Department.
POSITION QUALIFICATIONS
· Problem Solving - The individual identifies and resolves problems in a timely manner and gathers and analyzes information skillfully.
· Interpersonal Skills - The individual maintains confidentiality, remains open to others' ideas, and exhibits willingness to try new things.
· Oral Communication - The individual speaks clearly and persuasively in positive or negative situations. The individual maintains ongoing communication with Department Manager concerning activities of the department as well as needs or problems and keeps them informed of all pertinent problems, irregularities, new developments, changes, and other important information.
· Written Communication - The individual edits work for spelling and grammar, presents numerical data effectively, and is able to read and interpret written information.
· Planning/Organizing - The individual prioritizes and plans work activities, uses time efficiently, and develops realistic action plans.
· Quality Control - The individual demonstrates accuracy and thoroughness and monitors own work to ensure quality.
· Dependability - The individual is consistently at work and on time (except for those cases protected by law which are outlined in the Employee Guide), follows instructions, responds to Management direction, and solicits feedback to improve performance
· Observes Policies/Procedures - The individual sets an example in observing (following) Credit Union policy and applicable Standard Operating Procedures, as well as those in the Employee Guide.
· Image - The individual must display a positive and professional image
· Possess high school diploma or equivalent.
· Experience - Two years Credit Union lending experience or equivalent.
· Must be bondable.
Learn more about Fibre Federal Credit Union and TLC Credit Union at our website: www.fibrecu.com
All offers for employment with Fibre Federal Credit Union are contingent upon the candidate having successfully completed a background check, credit check, and drug screening.
We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other characteristic protected by law
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