• Analyzes applicant's financial status, credit, and asset evaluation to determine the feasibility of granting consumer, home equity, business and credit card loans within established individual approval limits.
• Reviews all loan requests submitted through Web Loan, and Mobile Loan Application channels via Internet.
• Submits recommendation to a senior Underwriter, Manager of Central Lending or Vice President of Lending on loans beyond individual approval limits.
• Review applications with Financial Services Consultants (FSC), Loan Consultants or applicants to clarify loan requests and gather pertinent information to render an underwriting decision.
• Resolves uncertainties relating to loan application information through discussion with Financial Services Consultants (FSC), Loan Consultants or applicants.
• Communicates credit decisions to Financial Services Consultants (FSC) or Loan Consultants and offers alternate solutions to credit denials (counteroffers) when possible. 
• Ensure timely loan review and decision and /or follow-up with Financial Services Consultants (FSC), Loan Consultants or applicants if additional information is needed.
• Assures timely loan review and decision and/or follow-up with Financial Services Consultants (FSC) or Loan Consultants if additional information is needed.
• Reviews and renders decision loan applications received through the Credit Union Indirect Lending (CUDL) System or other indirect lending channels. 
• Maintains a strong working relationship with participating dealers in the Credit Unions Indirect Lending program.

Skills: Credit Analysis, Risk Assessment, Decision Making, Regulatory Compliance, Stakeholder Communication, Problem Solving, Relationship Management, Digital Proficiency

• Identifies additional cross-sell opportunities beyond the initial request and/or deposit products and services as appropriate to meet the applicant's needs. 
• Possesses a high level of knowledge related to all loan and insurance products and provides consistent cross-selling recommendations to Financial Services Consultants (FSCs) or Loan Consultants.
• Possesses a strong understanding of Regulations B and Z
• Complies with all Credit Union policies and procedures including those related to Bank Secrecy Act regulations.
• Provides ongoing support to Financial Services Consultants (FSCs) and Loan Consultants, including how to interpret credit reports, loan policies and procedures. 
• Recommend additional training to the Manager of Central Lending or Vice President of Lending to coordinate with the Training Department and staff supervisors.
• Provide backup support to the Real Estate team for documentation preparation, document review and packaging preparation for the disbursal of loan
• Performs other loan department duties such as Adverse Action notices for limit changes or closures, maintenance, or various department reports.
• Assists the Loss Prevention department in reviewing delinquent loans, Visas, lines of credit, and loan payment challenges.
• Enter loan information into the core processing system

Skills: Cross-Selling Expertise, Loan Product Knowledge, Regulatory Compliance, Policy and Procedure Compliance, Credit Analysis Support, Training Coordination, Real Estate Documentation Support, Loan Processing Proficiency.

• Analyzes and decides consumer loan applications within prescribed lending limits and communicates credit decisions to all appropriate parties.
• Demonstrates complete knowledge of loan workflow from origination point through funding with emphasis on the underwriting aspect.
• Recommends the approval or denial of loans exceeding prescribed limits.
• Utilizes the authority to counter-offer loan applications that may be outside of credit policy and risk tolerance.
• Uses the existing lending application systems to process consumer applications. 
• Documents all terms, conditions and reasons for a given actions taken on individual application records.
• Ensures the quality, accuracy and compliance of all applications received and effectively communicates any discrepancies to management while maintaining a solid grasp of industry standards and practices and Federal and State regulations.
• Acts as an informational resource to members and staff regarding application processing, compliance and product knowledge.
• Completes Adverse Action forms for denials and incomplete applications in compliance with ECOA.
• Lives MVCU’s passion and quality initiative through teamwork and quality service to internal and external customers and members, process improvement and elimination of waste.

Skills: Loan Analysis, Underwriting Proficiency, Credit Decisioning, Policy Adherence, System Utilization, Documentation Accuracy, Compliance Awareness, Informational Support.

• Understand the credit union’s product and services menu assuring that each member receives the best loan product for need.
• Understand and apply all lending policies and procedures to each loan decision to minimize loss.
• Make loan recommendations or decisions based upon information from the application and other sources, such as credit bureau information, account flags and membership guidelines.
• Review income statements, pay stubs, and tax returns.
• Provide accurate account information using account security procedures.
• Build and maintain relationships with 3rd party vendors or dealerships.
• Effectively interact and communicate with front-line staff and dealers through lending system, phone or email during the decision-making.
• Supports the day-to-day planning and operations set by the Loan Underwriting Manager so that the team meets the required level of service or production.
• Promote honest and open communication throughout the credit union and with dealership personnel.
• Demonstrate behaviors that are consistent with the credit union’s values, philosophies and leadership characteristics.
• Work with other credit union departments to ensure workflows and processes are providing the best service to members.

Skills: Product Knowledge, Lending Policy Application, Credit Analysis, Financial Documentation Review, Vendor Relationship Management, Effective Communication, Operational Support, Collaborative Problem Solving

• Reviewing and analyzing consumer credit reports
• Ensure loans meet all program and product specifications
• Ensure that documents are consistent and uphold to company and industry guidelines and are uploaded for borrower signature
• Communicate loan decisions and terms
• Verifying the accuracy of borrower's information on loan documents
• Adhere to all loan funding operational policies that are consistent with overall policies and procedures and regulatory objectives of Service Finance Company
• Act as a liaison with dealers and other departments within SFC
• Underwrite loan applications within credit union guidelines and evaluate loans to maximize organizational profit and minimize risk or loss
• Review and verify the accuracy of collateral details, employment profile, credit strength and all other pertinent loan documentation and information
• Recognize, structure, present and approve additional loan opportunities to maximize member benefits
• Serve as a resource to employees on underwriting questions
• Provide adverse actions according to proper regulatory guidelines

Skills: Credit Analysis, Loan Compliance, Document Verification, Regulatory Adherence, Communication Skills, Underwriting Expertise, Cross-Departmental Liaison, Training and Support.

• Basic Microsoft Office skills
• Strong analytical skills including analyzing complex data
• Excellent verbal, written, and interpersonal communication skills
• Ability to interact with all levels of an organization
• Ưxperience in the Mortgage industry 
• Ability to drive and lead organizational change in a dynamic environment
• Ability to execute in a fast-paced, high demand, environment while balancing multiple priorities
• Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important
• experience in Non-conforming underwriting
• Experience in mortgage credit underwriting 
• Experience with 24 months of documented Jumbo/portfolio underwriting
• Experience with complex tax return analysis and self-employed borrowers
• Experience with mortgage software

Qualifications: BA in Finance with 2 years of Experience

• Knowledgeable of consumer financing
• Ability to read and understand credit reports
• Strong administrative experience
• Work well in a team environment
• Ability to input data accurately and quickly while on the phone
• Knowledge of Microsoft Office Suite
• Clean, professional appearance
• Well-spoken with a clear phone voice
• Reliable transportation with a record of solid attendance from past employers
• Work well in a team environment
• Ability to input data accurately and quickly while on the phone
• Knowledge of Microsoft Office Suite
• Strong willingness to assist other team members with customer-related issues
• Demonstrated ability to multi-task
• Maintain detailed records and files

Qualifications: BS in Accounting with 3 years of Experience

• Knowledge of credit union products and services.
• Ability to make sound lending decisions.
• Ability to negotiate lending decisions.
• Strong knowledge of regulations including but not limited to - NCUA Non-Discrimination Regulation, Equal Credit Opportunity Act, Reg B, Reg Z, Safe Act, and Wall Street Reform.
• Strong organizational skills and detail-oriented.
• Strong customer service skills, communication (verbal & written), interpersonal and documentation skills.
• Good time management and problem-resolution skills.
• Open to flexible scheduling options including Saturday rotation and possess the ability to adapt/change
• Working knowledge of Microsoft Office Suite (Word, Excel, etc.)
• Ability to maintain a high level of confidentiality.

Qualifications: BA in Business Administration with 2 years of Experience

• Experience with personal computers in a Windows environment, including the use of Microsoft Outlook, Word and Excel.
• Knowledge of various office equipment including ten-key calculator, typewriter, copier and fax machine. 
• Detail-orientated with strong organizational and written/verbal communication skills. 
• Ability to handle multiple tasks in a fast-paced manner. 
• Initiative and sound judgment to effectively perform these responsibilities.
• Experience in consumer lending and or wholesale lending in an automated decision environment with significant loan approval authority
• Strong organizational, technical, analytical and decision-making skills
• Strong computer skills (Outlook, Web Based systems, Excel)
• Ability to work late nights (until 7 PM CST) and rotating weekends for this position (availability to work Saturday rotation)
• Experience in wholesale vehicle lending with a specific focus on recreational vehicle financing

Qualifications: BS in Economics with 3 years of Experience

• Experience underwriting to Fannie guidelines
• Knowledge of legal and regulatory aspects and guidelines for Consumer Loans
• Experience managing a pipeline of 50 consumer loans
• Ability to calculate income, including self-employed
• Experience processing Fannie and Freddie loans preferred
• Knowledge of lending/compliance regulations, underwriting guidelines and credit qualifications.
• Excellent verbal and written communication skills, problem-solving skills, organizational skills and the ability to work independently.
• Ability to use independent judgment and discretion in various situations while maintaining a high degree of confidentiality.
• Have a flexible schedule, with the ability to work some evenings, nights, weekends, and holidays
• Understanding of company policies and procedures
• Understand and comply with all job-related state and federal laws and regulations.

Qualifications: BA in Risk Management with 4 years of Experience