Consumer Lending Underwriter II

Consumer Lending Underwriter II will review and analyze loan applications, assess risk, and make credit decisions, utilizing experience to drive consistency and mentoring team members. Responsible for pipeline management, accuracy, and completion of underwriting activities, ensuring compliance with regulatory requirements. May participate in QC activities, contribute to compliance initiatives, and provide training to team members.

Requirements

• Minimum 3 years' experience in underwriting, preferably with Consumer Lending experience
• Knowledge of general lending guidelines including state, federal and fair lending
• Bachelor's degree in related field or equivalent experience
• Ability to work with a high degree of confidentiality
• Ability to adjust and effectively incorporate changes to guidelines and procedures in a timely manner
• Thorough understanding of credit reporting and credit analysis
• Proven ability to analyze income documentation including personal and business tax returns and complete a cash flow analysis.
• Ability to apply guidelines and lending matrices
• Ability to review member data in Core system
• Working knowledge of home equity processing and state and federal lending guidelines
• Proficient with Microsoft Office (Word, Excel, Outlook)
• Strong analytical and decision-making skills
• Strong attention to detail
• Organized and ability to handle fast paced environment with time management skills with the ability to prioritize workload
• Strong communication skills both verbal and written
• Demonstrates strong analytical/problem solving and time-management skills
• Ability to work flexible hours

Benefits

• Medical, Dental, Vision
• 401(k) with company match
• Supplemental Life Insurance
• Paid Vacation
• Paid Sick Days
• Paid Holidays