Job Summary:

• Performs appropriate analysis to determine creditworthiness within established lending authority guidelines and Credit Union’s underwriting and loan policies.
• Assists in identifying potential fraudulent activity and red flags.
• Assists with cross-selling lending products to new and existing members.
• Ensures policy exceptions are documented.
• Understands and communicates properly the credit granting criteria, laws, rules and regulations.
• Set and maintain proper expectations with all parties on the consumer file
• Review, analyze and approve consumer loan applications
• Analyze credit, income, asset and collateral documents
• Calculate income for qualifying, including self-employed income analysis
• Clear loan conditions and communicate effectively with the Sales, Processing, Closing, and management team
• Complete the Bank's customer service training and apply to everyday communications with borrowers and mortgage bankers

Skills on Resume: 

• Underwriting Policies (Hard Skills)
• Fraud Detection (Hard Skills)
• Cross-Selling Expertise (Soft Skills)
• Policy Exception Documentation (Hard Skills)
• Expectation Management (Soft Skills)
• Application Review (Hard Skills)
• Condition Clearing (Hard Skills)

Job Summary:

• Conducts direct channel loan approvals and denials for 19 consumer products.
• Reviews Financial Service Officer, Member Relationship Agent, and Virtual Service Center loan files, identify errors, and makes corrections
• Identifies and suggests alternative options to help members qualify for approvals
• Provides ongoing education and training to Financial Service Officer’s outside of the classroom
• Assist with new loan procedures and updating current procedures.
• Assist with training new underwriting personnel.
• Make sound lending decisions
• Identifies lending cross-sell opportunities
• Builds and maintains relationships with consumer lending vendors in order to uphold lending standards
• Support credit union staff in helping them achieve lending goals
• Maintain up-to-date knowledge on all policies and procedures, rules and regulations for the credit union, including robbery procedures and Bank Secrecy Act/AML/OFAC procedures.
• Refer problems or unusual situations to the Loan Officer.

Skills on Resume: 

• Loan Evaluation (Hard Skills)
• File Review (Hard Skills)
• Member Assistance (Soft Skills)
• Training Delivery (Soft Skills)
• Procedure Development (Hard Skills)
• Personnel Training (Soft Skills)
• Lending Decision-Making (Hard Skills)
• Cross-Selling (Soft Skills)

Job Summary:

• Analyzes information received from credit applications and credit reporting agencies to make prudent credit decisions.
• Underwrite home equity, second mortgage, and consumer loans in accordance with established UPFCU underwriting standards and procedures.
• Review all documentation on the applicant and the property/collateral to ensure accuracy, completeness and compliance with credit union, and insurer requirements.
• Analyze and verify the employment profile, credit strength and property/collateral characteristics.
• Approve or denies loan applications within established lending authority and established time frame, according to established credit union policy and procedure.
• Provide written notification to Account Managers and applicants concerning loan conditions and/or approval.
• Process and prepare closing documentation for all consumer, home equity, and second mortgages.
• Mail disclosure statements on a timely basis, request documentation or other information
• Communicate with borrowers, or branch personnel as necessary. 
• Assist members and employees with basic questions regarding lending services and loan status. 
• Refer complex issues to the Operations Officer.
• Maintain up-to-date knowledge of guideline changes with mortgage and consumer loan industry standards and regulations.

Skills on Resume:  

• Credit Analysis (Hard Skills)
• Underwriting Proficiency (Hard Skills)
• Document Review (Hard Skills)
• Decision Making (Soft Skills)
• Communication Skills (Soft Skills)
• Loan Processing (Hard Skills)
• Regulatory Knowledge (Hard Skills)
• Customer Support (Soft Skills)

Job Summary:

• Underwrite loan applications delivered through branch and online channels in a timely manner
• Ensure loans are underwritten to policy guidelines and procedures including lending decisions
• Confirm required documentation and tracking items including but not limited to credit, income, and collateral documentation are satisfactory and meet applicable guidelines and procedures
• Review adverse actions letters to ensure accuracy
• Make sure loan applications are completed accurately by branch personnel, collaborating with retail banking partners to execute best practices to meet established customer experience levels
• Regularly review and utilize daily work queue to ensure underwriting completion of all loans in a timely manner
• Prepare closing documents.
• Prepare underwriting packages for Loan Servicing
• Enter all closed auto loan title management systems and perform monthly title tracking and research
• Demonstrate the organization’s service commitment during all customer and internal employee interactions

Skills on Resume: 

• Loan Underwriting (Hard Skills)
• Policy Compliance (Hard Skills)
• Documentation Review (Hard Skills)
• Adverse Action Review (Hard Skills)
• Cross-Department Collaboration (Soft Skills)
• Queue Management (Hard Skills)
• Closing Document Preparation (Hard Skills)
• Title Management (Hard Skills)

Job Summary:

• Review loan applications and evaluate credit criteria to determine level of risk.
• Requests additional information as necessary to decision.
• Evaluate the quality of collateral as compared with the request.
• Effectively decisions loans based on contract requirements, qualifications and risk to members and credit union.
• Make outbound calls to dealer customers to generate indirect business
• Educate and Assist external dealer customers over the phone with underwriting/policy/procedure inquiries
• Assumes responsibility for establishing and maintaining effective coordination and communication with management and credit union staff.
• Assists department personnel
• Participates in various credit union-sponsored car sales and other events outside of the department
• Effectively supports department and organizational goals and initiatives
• Keeps Management informed of activities and of any significant problems with regards to lending function.
• Completes reports, records promptly and accurately
• Assist in documenting and tracking multiple variables to determine and monitor trends

Skills on Resume:  

• Credit Evaluation (Hard Skills)
• Collateral Assessment (Hard Skills)
• Loan Decisioning (Hard Skills)
• Dealer Outreach (Soft Skills)
• Customer Education (Soft Skills)
• Team Coordination (Soft Skills)
• Event Participation (Soft Skills)
• Trend Monitoring (Hard Skills)

Job Summary:

• Reviews and evaluates information on all types and complexity levels of consumer loan applications including related supporting documentation (e.g. income statements, personal financial statements, trust documents, and construction project information) and the preparation of complex cash flow analyses to determine if underwriting guidelines and regulatory standards have been met.
• Reviews and evaluates related third-party information including credit reports, collateral valuations, and flood determinations.
• Facilitates other documentation requests (including consumer lien subordinations) as necessary.
• Assists Consumer Lenders and supporting Bank personnel (e.g. Loan Operations, Compliance, etc.) with all types of process and product questions.
• Assists Consumer Loan Underwriters and reviews work including providing concurrence on application approvals and denials.
• Assists Consumer Underwriting Manager with special projects
• Collect data, analyze information, and interpret financial statements and reports for Management.
• Identify other sales opportunities and refer to the appropriate department.
• Conduct loan underwriting consultations and training with other team members.
• Maintain proficient knowledge of all credit union and competitor products and services as well as industry trends and benchmarks.
• Adhere to all local, state, and federal laws and regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.
• Meet and exceed corporate goals for sales volume.
• Adhere to a code of ethics.

Skills on Resume: 

• Loan Application Analysis (Hard Skills)
• Financial Data Interpretation (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Documentation Management (Hard Skills)
• Collaboration and Support (Soft Skills)
• Sales Opportunity Identification (Soft Skills)
• Product and Industry Knowledge (Hard Skills)
• Training and Development (Soft Skills)

Job Summary:

• Underwriting and rendering a decision on all consumer loan applications initiated through all customer and sale channels of loan origination in accordance with policy, guidelines and all state and federal regulations.
• Gathering information in an accurate, clear, and concise manner so that they can make an informed decision.
• Demonstrating exceptional service in all interactions with customers, prospective customers, and Bank staff and personnel.
• Examining loan documents for accuracy and completeness.
• Communicating loan decisions and any required conditions, within the defined approval authority parameters, to applicable loan support staff, sales, management, and/or the customer.
• Meeting production, quality and service standards along with providing feedback to ensure quality.
• Working in collaboration and partnership with other team members.
• Maintaining a current understanding of various documentation types, loan programs, as well as all overall general underwriting guidelines.
• Interpret complex policies, rules, and regulations affecting consumer lending programs.
• Recognize potential red flags, and inconsistencies within application and loan files.
• Identify other problem areas and initiate proper mitigation action.
• Manage large workloads, while shifting priorities to reach time-sensitive deadlines.

Skills on Resume: 

• Loan Underwriting (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Customer Service (Soft Skills)
• Document Review (Hard Skills)
• Decision Communication (Soft Skills)
• Quality Assurance (Hard Skills)
• Team Collaboration (Soft Skills)
• Policy Interpretation (Hard Skills)

Job Summary:

• Comfort working in a fast-paced call center environment.
• Possess an analytical mind and make good decisions in an environment that requires analyzing fifteen or twenty different variables in a short period of time.
• Possesses good judgment skills and display curiosity in attempting to understand 'why's behind skills and concepts used.
• Possess critical thinking skills and apply learning lending principles according to the unique needs of each member and risk profile. 
• Display comfort in using underwriting guidelines to walk away from bad loans, but not to walk away from the good loans..
• Possess innate math skills with the ability to mentally add, subtract and calculate percentages quickly.
• Identify errors or flaws in automated software or spreadsheet calculations.
• Identify and refer to cross-sell and up-sell opportunities.
• Construct counter-offers with creative options.
• Conducting credit analysis, including cash flow, credit reporting, and credit investigation. 
• Working knowledge of FICO 2008. 
• Display a risk tolerance and able to discern "lower risk" D and E-paper loans from "higher risk" D and E-paper loans.
• Handle multiple commitments and meet deadlines in a fast-paced sales environment.

Skills on Resume: 

• Fast-Paced Adaptability (Soft Skills)
• Analytical Decision-Making (Soft Skills)
• Critical Thinking (Soft Skills)
• Judgment and Curiosity (Soft Skills)
• Mathematical Proficiency (Hard Skills)
• Error Identification (Hard Skills)
• Cross-Selling Opportunities (Soft Skills)
• Creative Problem-Solving (Soft Skills)

Job Summary:

• Maximize funding opportunities of CBC FCU consumer loan products while adhering to appropriate underwriting guidelines.
• Construct and approve loan offers by delegated approval authority and loan policy.
• Utilize analytical skillset and balanced judgment to evaluate and approve consumer loans as recommended by Loan Sales Representatives.
• Utilize policy and procedure to build performing loans.
• Document adverse actions and prepare systems to produce denial letters.
• Conduct credit analysis on each loan application using automated means including cash flow analysis, debt ratio calculation, credit scoring, collateral valuation, and escalating debt propensity.
• Provide support to sales centers and processors in the facilitation of loan applications from initial submission to funding.
• Recommend cross-sell and up-sell opportunities to Loan Sales Representatives.
• Consistently meet established productivity performance standards.
• Provide exceptional service experience at every point of contact.
• Utilize technology, including telephone, email, fax, and loan system to complete the loan approval process
• Provide underwriting approval to close
• Consult on a loan application and 'deal' structure
• Document file notes in member contact software

Skills on Resume: 

• Funding Optimization (Hard Skills)
• Loan Approval (Hard Skills)
• Analytical Evaluation (Hard Skills)
• Policy Compliance (Hard Skills)
• Credit Analysis (Hard Skills)
• Sales Support (Soft Skills)
• Cross-Selling Strategies (Soft Skills)
• Customer Service Excellence (Soft Skills)