Job Title: Underwriter

Department: FreedomRoad Financial

Reports To: Underwriting Team Lead

FLSA Status: Non-Exempt (Hourly)

Summary: This position is primarily responsible for examining the credit history of the applicant, the purpose for the loan, the applicant's ability to pay back the loan and any financial risks involved to underwrite indirect motorsport loans within company policy and regulatory guidelines. Also responsible for conveying loan stipulations and decisions to dealers as needed.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

· Obtain and compile copies of loan applicants' credit histories, financial statements, and other financial information.

· Analyze loan applications, credit bureau reports, collateral, existing account data, income documents and other loan documentation to make consistent and sound lending decisions.

· Approve, counter-offer or deny applications within authorized loan policies and authority in a timely fashion.

· Review and confirm loan agreement information is complete and accurate in accordance with established guidelines and legal requirements.

· Demonstrate sound judgement ensuring proper credit decisions to protect the integrity of the loan portfolio and contribute to loan growth.

· Balance productivity and speed to meet service levels with quality underwriting.

· Ensure operational integrity through compliance with all policies, procedures and regulations.

· Explain to dealers the different types of loans and credit options that are available, as well as the terms of those services.

*Job is in-office 5 days a week (More details upon request)

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

· 1 year of underwriting or credit review experience, indirect lending experience preferred.

· Active listening — giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

· Judgment and Decision Making — considering the relative costs and benefits of potential actions to choose the most appropriate one.

· Critical Thinking — using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.

Proficient in Word, Excel, and Outlook.

Supervisory Responsibilities

This position has no supervisory responsibilities.

Equal Opportunity Employer

Evergreen Bank Group is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, ethnicity, gender, sexual orientation, gender identity, national origin, veteran status, or disability.

Federal Deposit Insurance Corporation

Evergreen Bank Group is Member FDIC

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; use hands to finger, handle, or feel; and reach with hands and arms. The employee is occasionally required to stand; walk; and stoop. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) 4% Match
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Referral program
• Vision insurance
• Volunteer time off

Work Location: In person