MINIMUM REQUIREMENTS FOR POSITION:
- Two years of leadership/management experience
- Five to ten years of consumer and small business staff underwriting experience
- Proficient in Word and Excel
- Direct customer contact and development experience
QUALIFICATIONS:
- Strong verbal and written communications skills
- Ability to work with internal customers across our footprint
- Intimate knowledge of compliance, including HMDA and Fair Lending
- A thirst for customer service
- Willingness to be held accountable for execution per Service Level Agreements
- Community bank and branch experience
ESSENTIAL FUNCTIONS/RESPONSIBILITIES
- Ensures the satisfactory and prompt delivery of all loan underwriting decisions
- Underwrites consumer and small business loan applications according to the Basic Loan Policy
- Conducts loan application credit investigations
- Communicates alternative financing options
- Identifies and communicates other pre-approved products and services to loan originators
- May conduct loan training for FSRs and other branch/bank personnel, if asked
- Participates in new consumer, small business, and mortgage loan product development and implementation
- Performs all additional duties and activities as directed by the Senior Credit Officer
- Ensures effective HMDA, Fair Credit, CRA, and Reg B compliance, and work closely with the Bank’s Compliance Officer regarding these matters
- Recommends advanced automated systems to facilitate underwriting of consumer and small business loans
- The Centralized Underwriting unit will underwrite 450 to 600 consumer and small business applications per month
- Maintain and improve favorable past due and charge-off experience of Centralized Underwriting