Consumer Loan Underwriter

We believe loans aren’t documents; each loan represents a member of our cooperative. As a Consumer Loan Underwriter, you’ll expertly balance loan requests with guidelines, policies, and regulations to ensure the best outcome for all. Thriving in a fast-paced environment, analyzing consumer loan applications quickly and efficiently, and providing loan decisions, will be a critical part of your role. You’ll also have a voice in actively looking to Find a Way to promote an educational process for those we cannot immediately approve. If being involved with an organization where relationships matter sounds like the perfect way to highlight your skills, we should talk! As a Consumer Loan Underwriter, you will: Provide outstanding, quality service to external and internal membersApprove/deny consumer loan requests within loan policy, communicating all needed conditions in writingCoach and mentor Member Service Representatives to avoid incomplete loan applicationsIdentify and recommend opportunities to help members save money and meet their financial goalsReview valuations, income/tax returns and title work needed to finalize loan conditionsBalance productivity and attention to detail to meet member service levels while offering the highest level of underwriting skill/expertiseRecognize viable and creative loan alternatives when initial requests are not feasible; giving members a choice instead of an outright denialWork well under pressure to meet multiple deadlines and exercise sound judgment An ideal candidate will have a combination of: Bachelor’s degree in the area of Business, Finance, or a related field; five to seven years of lending/underwriting experience; or equivalent combination of education and expertiseExceptional analytical skills with the ability to analyze tax returns and financial information, appraisals, title work, subordination requests, exchange of collateral requests, and other items as neededAbility to act in accordance with Community First Credit Union policies and procedures, complete all required compliance training/continuing education within the specified timeframe, and maintain a thorough knowledge of all internal operating procedures, products, and policies within the Consumer Lending Department, as well as applicable laws and regulationsGood communication skills with an empathetic mannerStrong PC-based skills with the ability to use Microsoft Office productsExcellent decision making, strong analytical skills and fine attention to detail