Underwriter

Job Description

• Conduct independent risk analyses and assessments of loan applications • Support Underwriting in reviewing loan application exception decisions • Assist Sales and Operations in evaluating the effectiveness of credit processes and guidelines, identifying gaps, and recommending improvements and changes as appropriate • Act as subject matter expert/contact point for assigned business areas • Identify material credit concerns • Consult with various stakeholders - including business management, Credit Risk, Operations and Finance – to ensure a comprehensive evaluation • Complete loan contracts and educate clients on policies and regulations. • Interview applicants to define financial eligibility and establish debt payment plans. • Prepare detailed loan proposals. • Reject loan applications and explain deficiencies to applicants. • Respond to applicants’ questions and resolve any loan-related issues. • Operate in compliance with laws and regulations. • Exercise discretion and independent judgement. • Perform of office or non-manual work directly related to the general business operations of the customers.

Qualifications

• 1-3 years of experience within a financial services organization, focused on credit and/or risk management • Excellent interpersonal, communication, organizational and writing skills • Ability to develop business relationships with senior management and others throughout the organization • Equivalent to a B.S. degree in Business, Finance, or related field

Benefits

• 11 paid holidays • Generous Accrued Time Off increasing with years of service • Generous paid sick time • Annual day of service