Consumer Lending Underwriter

About the company

At SECU, we put our employees first, recognizing that their well-being and professional development are vital to our success. By fostering a supportive and empowering work environment, our employees are committed to helping members achieve long-term financial security. They are also inspired to give back to the communities we serve by volunteering and spreading kindness, which reflects our core values and who we are as an organization. Every employee at SECU contributes to our member’s financial well-being, and we’ll always do what’s right for our members, employees, and communities. Feel good about what you do. Belong to a place where you matter and can make a difference.

Note: SECU only hires in the following states: AL, CO, DE, FL, GA, IL, MD, MO, NC, NE, OH, PA, SC, TN, TX, VA.

About the role

The Consumer Lending Underwriter is responsible for examining, evaluating, and underwriting all Consumer Loan applications to assess risk, confirm compliance with guidelines and all regulatory requirements (both state and federal), and to render a sound credit decision. The Consumer Loan Underwriter will have the authority to approve and deny consumer loans as well as recommend decisions to partner credit unions on exceptions. The Consumer Loan Underwriter will strive to adhere to the agreed upon service level agreements (SLAs) between S3 and the partner credit unions. The Consumer Lending Underwriter adheres to regulations and organizational policies, maintaining awareness and knowledge required to perform the duties of the position, including all aspects of the Bank Secrecy Act and related regulations, such as OFAC, and the USA Patriot Act, Fair Lending and Information Security.

Responsibilities

• Responsible for underwriting applications for direct and indirect lending.
• Answering calls meeting the established answer percentage rate.
• Responding to email inquiries timely and accurately.
• Consistently maintain individual and team SLAs.
• Maintaining established goals for quality control for all loans decisioned.

• Successfully collaborate with other department team members.
• Maintain positive member experience.
• Responsible for incorporating changes to guidelines and procedures.
• Additional job-related projects and duties as assigned by management.

Requirements

• 2 years of experience underwriting or in a consumer financial position.
• Takes personal responsibility for decisions, actions, failures and overall deliverables.
• Utilizes oral and written communication to enhance relationships across the organization.
• Clearly communicates information, thoughts and ideas in a clear, concise and organized manner.
• Relates comfortably with people across levels, functions, culture, and geography.
• Possesses a clear understanding of strengths, limitations, emotions, beliefs, and motivations of self and others.
• Maintains composure and effectiveness when experiencing major changes in work tasks or the work environment.
• Adjusts effectively to work within new work structures, processes, requirements, or cultures.
• Demonstrates an understanding of SECU’s culture, core values, mission and strategic priorities as it relates to one’s work and overall performance.
• Highly organized and able to handle a fast-paced environment.
• Strong analytical skills with a high degree of accuracy.
• Strong communication skills, both written and verbal.
• Must be able to