Loan Underwriter

Competencies

·        Demonstrate attention to detail. Work with minimal supervision while performing duties.

·        Identify and resolve problems in a timely manner; work well in group problem solving situations.

·        Respond promptly to customer, both internal and external, needs; meet commitments.

·        Assess own strengths and weaknesses; pursue training and development opportunities; strive to continuously build knowledge and skills.

·        Focus on solving conflict, not blaming; maintain confidentiality; listen to others without interrupting; keep emotions under control; remain open to others’ ideas and try new things.

·        Write clearly and informatively; edit work for spelling and grammar; vary writing style to meet needs; present numerical data effectively; able to read and interpret written information.

·        Speak clearly and persuasively in positive or negative situations; listen and get clarification; respond well to questions; demonstrate group presentation skills; participate in meetings.

·        Balance team and individual responsibilities; exhibit objectivity and openness to others’ views; give and welcome feedback; contribute to building a positive team spirit.

·        Treat people with respect; keep commitments; inspire the trust of others; work with integrity and ethically; uphold organizational values.

·        Follow policies and procedures; complete administrative tasks correctly and on time; support organization’s goals and values.

·        Prioritize and plan work activities; use time efficiently.

·        Approach others in a tactful manner; react well under pressure; treat others with consideration regardless of their status or position; accept responsibility for own actions; follow through on commitments.

·        Demonstrate accuracy and thoroughness; apply feedback to improve performance; monitor own work to ensure quality.

·        Meet productivity standards; complete work in timely manner; strive to increase productivity; work quickly.

·        Observe safety and security procedures; determine appropriate action beyond guidelines; report potentially unsafe conditions; use equipment and materials properly.

·        Adapt to changes in the work environment.

·        Be consistently at work and on time; arrive at meetings and appointments on time.

·        Follow instructions, respond to management direction.

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 duties.

The incumbent must be able to perform this position safely, without endangering the health or safety of him or herself or others. Current California driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities. Excellent organizational and time management skills.

Education And/or Experience:

3 to 5 years lending or credit experience in a financial service organization of similar size and complexity. Undergraduate degree from an accredited college or university in Business, Finance, or Economics, or the equivalent experience.

Must possess working knowledge of SBA policies/software

Language Skills:

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence for review and understanding by bank management. Exceptional oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others. Ability to speak effectively before groups of customers or employees of the organization.  Ability to read, analyze and interpret credit /financial data.

Mathematical Skills:

Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent.

Reasoning Ability:

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

Computer Skills:

To perform this job successfully, an individual should have an advanced knowledge of Excel, Word, Moody’s, T-Soft, Ncino, PCFS, Financial Tools and other bank software applications as needed.

Basic typing skills to meet production needs of this position.

Physical Demands:

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

While performing the duties of this job, the employee is regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds and sit for long periods of time. Specific vision abilities required by this job include close vision. The noise level in the work environment is usually moderate.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential duties of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties. The noise level in the work environment is usually moderate. Well lit, open office environment equipped with modern furnishings.