Consumer Loan Underwriter II

Department: Consumer Lending
Reports To: Consumer Loan Center Manager
Grade: 10 Classification: Non-Exempt
Supervises Direct: 1 Supervises Indirect: 1

WORK FROM HOME POSITION LEVEL:  None - Work is unable to be completed remotely. A presence in office is required full time.

Role:
Underwrites direct and indirect consumer loans for Rogue Credit Union under general supervision and in conformance with established policies and procedures. Works with front line staff and vendors to deliver member focused solutions in decisions and perform a variety of duties and tasks related to underwriting.

Essential Functions & Responsibilities:
80% Underwrites direct and indirect loan requests within established credit guidelines and authority. Notifies staff and dealer personnel of loan decisions in a timely manner, clearly defining acceptable terms and restrictions. Provides coaching and adequate explanations on loan decision rational while evaluating possible solutions and cross-sell opportunities. Consults with staff and dealer personnel as necessary, requesting additional information to evaluate the creditworthiness of the borrower and the value of the collateral being offered. Delivers member focused solutions while providing friendly, helpful, enthusiastic, and unsurpassed service to Branches/Departments and Dealerships.

10% Takes a lead role in troubleshooting problems and handling delicate situations with loan applicants and vendors. Answers dealer and staff questions and responds to phone calls.

5% Stays current on applicable regulations, credit union policies, operational controls, safety measures, service, and security procedures to ensure compliance throughout assigned areas of the credit union. Remains alert to trends or conditions in areas that affect lending. Communicates frequently with Consumer Loan Center Manager, Member Solutions Department, Lending Services Department and Consumer Loan Center Manager for trends in the loan portfolio.

5% Proactively performs other duties as needed or assigned.

Performance Measurements:
1. Supports and practices Rogue's Vision, Mission, Values and Loyalty Culture. Utilizes the Service Promises with both internal and external members. Embraces Rogue's community involvement program in a positive and proactive manner.

2. Achieves the Credit Union's goals and scorecard metrics, including department goals.

3. Provides friendly, professional and accurate service and support to all members, employees and dealerships.

4. Evaluates all loan requests for all possible solutions and cross-sell opportunities.

5. Stays current and well versed with all lending regulations, policies, procedures, practices and systems.

6. Assists in the training of lending staff by engaging underwriting questions and job shadowing.

7. Works as a team with the other staff members in the department to ensure all duties are performed of the department.

Knowledge and Skills:
Experience: Three years to five years of similar or related experience.

Education: A high school education or GED.

Interpersonal Skills: A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a personal or sensitive nature. Work may involve motivating, influencing or training others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Other Skills: Computer and keyboarding skills; loan application and tax analysis skills; good judgment/ decision making skills; good writing skills to include documentation. Highly organized and productive. Strong communication skills.

Physical Requirements: Some lifting required (up to 30 pounds), continuous sitting, occasional standing and occasional walking. Finger dexterity while using computer. Occasional talking and hearing in person and on the telephone. Continuous clarity of vision at 20 inches or less and continuous clarity of vision at 20 feet or more.

Work Environment: Normal workday with occasional overtime. Exposed to potentially hazardous conditions, i.e., robbery. May require working Saturdays or Sunday.

Disclaimer:
Job descriptions are not intended, and should not be construed to be exhaustive lists of all responsibilities, skills, efforts, or working conditions associated with a job. They are intended to be accurate reflections of those principal job elements essential for making fair pay decisions about jobs.

Note: Rogue Credit Union is a drug free workplace and requires a drug screening test within 48 hours of employment offer.

Rogue Credit Union is an Equal Opportunity Employer and makes employment decisions without regard to race, color, national origin, religion, sex, age, disability, veteran status, or any other protected class. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process, or are limited in the ability or unable to access or use this online application process and need an alternative method, please call (541) 622-7295 or email carees@roguecu.org

This Job Description is not a complete statement of all duties and responsibilities comprising the position.