Consumer Underwriter-Recreational Finance, SPF

Centennial Bank · Crawfordville, FL · 2 mo ago

SalesFull-time

Underwrite and ensure the satisfactory and prompt delivery of all SPF consumer loan underwriting decisions by utilizing consumer loan decision software.
Prepare underwriting worksheets and other spreadsheets designed to quantify complicated consumer borrowers personal and global cash flow.
Communicate alternative financing options to Consumer Originators for consumer credit requests.
Identify and communicate other pre-approved consumer products and services to SPF loan originators.
Provide assistance in conducting training for Consumer Originators.
Conduct SPF consumer loan credit investigations.
Participate in new SPF consumer loan product development and implementation.
Act as SPF administrator to maintain upgrades and changes to the consumer loan decision software.
Review and prepare loan denials for all denied SPF commercial and consumer real estate loans.
Evaluate and review collateral surveys for recommendations, survey allowances and to ensure the condition of the collateral is in satisfactory condition.
Analyze collateral to determine a value to ensure that loan to value ratios are in line with the loan amount and purchase price.
Ensure proper compliance measures and actions are taken regarding all applicable regulatory laws and regulations, including Fair Credit, Reg. Z, and Reg B compliance.
The ability to work in a constant state of alertness and in a safe manner.
Complete required BSA/AML training and other compliance training as assigned.

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc.
Equivalent to a four year college degree, plus 4 years related experience and/or training, and 19 to 23 months related management experience, or equivalent combination of education and experience.
Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization.
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

Normal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions.
The noise level in the work environment is usually moderate.

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this job.
Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
While performing the functions of this job, the employee is regularly required to sit, use hands to finger, handle, or feel, reach with hands and arms; frequently required to talk or hear; and occasionally required to stand, walk.
The employee must occasionally lift and/or move up to 10 pounds.
Specific vision abilities required by this job include close vision.

Preferred Experience: Experience with marine and/or RV consumer loans (recreational loans) Experience using bank core systems.
Required Proficiencies: Must be analytically minded Proficient in Microsoft Word and Excel General knowledge of the retail banking function Ability to multi-task and prioritize Ability to work under time constraints Excellent oral and written communication skills.

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