What are the responsibilities and job description for the Consumer Underwriter position at Equity Bank?
Position Opening: Consumer Underwriter
Department: Credit Administration
Location: Wichita, Kansas
Salary: FT Salary
Responsibilities and Expectations
- Underwrite/Decision all Consumer Loans, Small Business Loans and Small Business Credit Cards if the aggregate lending relationship is under $250,000. Small Business Products would include the following: Commercial requests for both secured and unsecured term loans and lines of credit.
- Review customer credit reports
- Review/Verify customer income documentation
- Review Business Tax Returns and Financial Statements for Business Applications
- Review any Guarantor Income and Credit Information for Business Applications
- Review/Verify loan collateral
- Update and maintain loan pipeline; respond to new requests in a timely manner
- Prepare Documents in Laser Pro
- Follow-up with Bankers on signed loan documents
- Ensure Compliance for Loan Applications/Denials/Withdrawals
- Deliver OUTSTANDING Customer Service to Customers both internal and external
- System/Software
- Become an expert in the application/underwriting software (Decision Pro, etc.)
- Provide compliance support and follow-up with frontline personnel
- Assist in training loan officers in Decision Pro and other necessary programs
- Trouble-shoot Decision Pro system issues as they arise
- Assist in customizing/tailoring Decision Pro as needed
- Other
- Attend and provide support to training classes, as required
- Participate in inter-departmental meetings, as necessary
- Perform other duties as assigned or required.
Employee is responsible for understanding and following the applicable laws and regulations for their job responsibilities including but not limited to Equity Bank Business Ethics and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity reporting requirements.
Required Skills & Education
- Bachelor’s degree preferred
- 3-5 years banking experience required
- Excellent interpersonal skills and professional manner
- Computer skills, especially the ability to work in Windows based systems
- Employee is responsible for understanding and following the applicable laws and regulations for their job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity reporting requirements.
The above statements are intended to generally describe the nature and level of work to be performed by most people assigned to this job. It is not intended as an exhaustive list of all responsibilities, duties, and requirements.
Physical Requirements
This position requires standing, walking, bending, and squatting on a regular basis. May require the ability to stoop, kneel, crouch or reach with hands and arms. Requires the ability to carry, lift, move or push up to 10 pounds on an occasional basis. Must be able to talk and listen to others. Frequently uses hands and fingers to handle or feel. Requires ability to see up close and distant, distinguish colors, peripheral vision, depth perception and the ability to adjust focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Work Environment
This position regularly works in an office setting. Most of the job duties require the employee to be working with computers and electronic media on a regular basis.
Equity Bank is an equal opportunity employer and will not make employment decisions based on an applicant’s race or skin color, national origin or ethnicity, religious beliefs, age, sex, physical or mental ability.
Salary : $250,000