Consumer/ Dealer Loan Underwriter 2 Officer

Position Summary: The Consumer/Dealer Loan Underwriter 2 analyzes real estate and non-real estate secured consumer loan applications and indirect dealer auto loan applications and small business applications and makes a decision to approve, deny, or qualify the requests based on quality, profitability, and in compliance with established guidelines set forth by the bank, state and federal regulations.

Essential Functions

• Demonstrate strong analytical skills and sound underwriting judgment including the analysis of non-wage income, business and personal financial statements and tax returns.
• Analyze and decision loan applications within low to moderate risk.
• Communicate decisions with customer service staff in a succinct and thorough manner.
• Maintain a high level of understanding of real estate secured loan requirements and valuation parameters.
• Serve as primary point of contact for branches on consumer loan regulations, special rate or product promotions and new product offerings.
• Develop dealership relationships and strengthen rapport by effectively communicating program requirements, credit decisions and providing prompt service.
• Maintain thorough understanding of competitor programs and rates and provide input for program enhancements.
• Assist the Sales Manager(s) as needed with in-person dealership meetings.
• Assist Underwriter I as needed.
• Understand and adhere to all applicable bank policies, laws, and regulations applicable to the role. Complete required compliance training. Follow internal processes and controls as required.
• Recognize, identify and report all compliance issues, violations of law or regulations including fraudulent submissions in accordance with the steps defined in bank policy.
• Perform or assist with other job-related duties or special projects as assigned.
• Regular and reliable attendance is an essential function of this position.
  
  

Qualifications

• Bachelor’s Degree in Business Administration, Finance or equivalent work experience required.
• At least 10 years consumer lending/underwriting experience strongly preferred.
• Understanding of auto dealership operations and financing preferred.
• Working knowledge of real estate lending preferred.
• Proficient in Microsoft Office Products and in working with other company software.
  
  

Preferred Talents

• High level of analytical skills
• Independent with good judgment
• Effective communicator-written and verbal
• Self-directed and takes initiative
• Highly developed negotiation/conflict resolution skills
• Strong decision-making skills
  
  

Working Environment

Saturday and evening work schedule required.

Indoor work – not exposed to outdoor elements or hazards.

Some sedentary work and occasional lifting and/or carrying up to 20 pounds.

This role is eligible for hybrid work from home opportunity under the work from home guidelines upon completion of onboarding.

PLEASE VIEW THE APPLICANT TERMS & CONDITIONS BEFORE PROCEEDING WITH YOUR APPLICATION.