What are the responsibilities and job description for the Loan Underwriter position at Vista National Bank & Trust?
Loan Underwriter
Location : Denver, CO; Cody, WY; St. Louis, MO; Indiana
As a Loan Underwriter at Vista National Bank & Trust Company, you will be responsible for evaluating loan applications to assess risk and ensure compliance with regulatory and company standards. Your role will involve analyzing financial data, determining creditworthiness, and providing timely and accurate decisions on loan applications. You will uphold the Vista Way by delivering thoughtful, client-focused solutions while managing the bank’s risk effectively.
Responsibilities
- Risk Assessment : Review and analyze loan applications, financial statements, credit reports, and other supporting documents to assess borrower risk.
- Decision Making : Approve, decline, or recommend loan applications based on established underwriting guidelines.
- Documentation : Maintain detailed and accurate records of all underwriting decisions and supporting analyses.
- Compliance : Ensure all loan files comply with regulatory requirements and company policies.
- Communication : Work closely with loan officers, processors, and other stakeholders to address questions, clarify requirements, and resolve discrepancies.
- Policy Contribution : Provide feedback on underwriting guidelines and assist in refining processes to enhance efficiency and reduce risk.
- Monitoring : Track trends in loan performance and recommend adjustments to underwriting practices as needed.
Who You Are and How You Work
Qualifications
About Vista
Vista believes in a future where everyone has the freedom to imagine, attain, and enjoy their ideal life through financial independence. We demystify the complexities of financial management, making it accessible and manageable for all. Our ethos emphasizes building trusted lifelong partnerships, providing exceptional products and services, and enjoying the journey while celebrating wins. Join us in creating lasting security and peace of mind for generations. : Provide a summary of the role, what success in the position looks like, and how this role fits into the organization overall.