Consumer Loan Underwriter

Duties:

Role:

A Consumer Loan Underwriter understands, communicates and works to achieve and follow the Credit Union's mission and member promise statements. This role is responsible for analyzing, evaluating, and approving or denying consumer loan applications in compliance with AAACU's lending policies, procedures, and applicable regulations. This position ensures that lending decisions are made promptly and accurately while maintaining a strong focus on member experience and risk management.

Essential Functions & Responsibilities:

Requirements:

Performance Measurements:

1. Achieve or exceed loan turnaround time and efficiency.

2. Ensure accuracy of loan decisions.

3. Ensure loan decisions are in compliance with all applicable Federal, State, and lending regulations, policies, and procedures.

4. Provide informed, professional, and accurate service and support to all members and associates.

Additional Desired Attributes:

Knowledge and Skills:

Experience One year to three years of similar or related experience.

Education (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).

Interpersonal Skills Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills Thorough knowledge of principles and processes for providing member and personal services. This includes member needs assessment, meeting quality standards for services, and evaluation of member satisfaction. Considers the relative costs and benefits of potential actions and chooses the most appropriate one. Talks to others to convey information effectively.

Misc Comments:

Benefits for Full-Time Employees Includes:

• Paid Vacation
• Paid Sick Time
• Paid Personal Time
• Paid Holidays (including your birthday)
• Paid Bereavement
• Medical / Dental / Vision Insurance (Employee pays ZERO premiums!)
• Life Insurance (2x annual salary)
• Short Term / Long Term Disability
401(k)
• - AAACU puts in 7.25% of your gross wages AND will match 100% up to 4% of your contributions!
• Tuition Reimbursement
• Wellness Program
• Student Loan Paydown
• Employee Assistance Program
• AFLAC
• Flexible Spending Accounts
• Employee Clothing Loan
• Community Volunteerism Pay
• Longevity Bonus