• Consumer Lending Underwriter

    Job Locations US-TX-Allen | US-AZ-Mesa
    Req No.
    2018-1914
    Category
    Consumer Lending
    Type
    Regular Full-Time
  • Overview

    UNIFY Financial Credit Union is one of the nation’s largest 100 credit unions with a reputation for being financially sound and growth-oriented. We’re expanding rapidly to meet the needs of a growing member base.

    At UNIFY, our team members work together to strive toward a common goal, “providing superior service to our members.” In doing so, we promote a culture where your ideas matter, your growth matters, and you matter. We encourage all team members to challenge and encourage themselves and their teammates to work smarter and to be more successful.

    Responsibilities

    Specific Duties & Responsibilities:

    • Processes and approves loans within assigned limits.
    • Makes loan decisions based on the analysis of the credit profile, ratings and loan policy within established timeframes.
    • Maintains quality and accuracy rating on loan decisions and loan fundings within established department requirements.
    • Conducts loan interviews.
    • Explains loan policies to members and answers questions.
    • Reviews the credit application for completeness and accuracy of information.
    • Uses product knowledge and sales skills to cross sell services to the membership.
    • Receives loan department incoming calls and provides loan and other Credit Union information.
    • Informs members of the loan decision and the debt responsibility in an effective and efficient manner.
    • Explains documentation and required fees necessary for the titling of autos, aircraft, boats, and any other secured loans.
    • Offers financial options to the member.
    • Travels to local SEGs for loan origination sessions when required.
    • Prepares extension agreements.
    • Reviews loans including denials, counter offers loans over debt-to-income ratios, loans over Credit Union loan limits and extensions on loans processed by other loan officers.
    • Ensures full compliance with UNIFY Financial Credit Union Service Standards and the Bank Secrecy Act.
    • Performs other duties as assigned.

    Qualifications

    Requires a high school diploma or equivalent, with three years experience in a Consumer Lending environment, preferably in a financial institution. Requires the ability to communicate effectively, both verbally and in writing, with individuals and groups and proficiency in spreadsheet and word processing software applications.

     

     

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