Consumer Loan Underwriter III

• Examine loan applications to perform credit underwriting analysis and make appropriate decisions regarding credit granting and credit limits for all loan types including secured and unsecured products based on information from the application and other sources, such as credit reports. Monitor queue performance, to ensure service and turnaround times are maintained according to standards. Determine that all loan opportunities are exhausted while maintaining the risk and security elements of the loan portfolio. Monitor loan portfolio delinquency and charge off ratios relative to underwriting performance. Requires effective judgment in making loan decisions.
• Work closely with interviewer as needed to ensure loan decisions are in the best interest of the member and the credit union. Request any additional information needed to ensure the best decision. Determine if loans fit into guidelines for specific products and if not recommend alternative products. Ability to maintain working relationships in and outside immediate department.
• Provides guidance and coaching to internal stakeholders to increase accuracy, improve efficiency and increase approval ratios.
• Works closely with supervisor regarding any loan recommendations where policy exceptions or lending authority is outside of set limits for underwriter.
• Collaborates with Underwriting and Director of Collections to review monthly delinquency activity, especially first payments defaults and new loan delinquency. Discusses underwriting or collection processes for enhancement.
• Proficient at pipeline management with an emphasis on organizational and multi-tasking skills.
  Demonstrate thorough knowledge of consumer and indirect lending products, policies and procedures.

Knowledge and Skills

A high school degree or equivalent

Courtesy and tact are essential elements of the job. Work involves personal contact with customers and others inside and outside the organization, generally regarding fairly routine matters for the purposes of giving and obtaining information or instructions, updating or referring. Communications generally require shorter and not in-depth discussions.

ADA 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.

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

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.

Community First Credit Union is an Equal Opportunity Employer. Community First values and celebrates diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected Veteran.