Consumer Credit Underwriter Jobs

• Collaborates with other departments to collect information related to consumer and small business lending decisions.
• Analyze and review consumer and small business application documentation, emphasizing accuracy, legitimacy, and completeness.
• Exercises a high level of consumer and small business lending authority and loan limits.
• Analyze, evaluate, and decide on higher dollars and complex consumer and small business loans (including Dealer Direct) submitted to Credit Administration.
• Reviews collateral value documents to ensure the collateral type and collateral value support the loan amount.
• Analyze complex tax returns and cash flow, including self-employed, rental, and corporate.
• Reviews income verification/tax analysis or paystubs to ensure income supports loan decision/recommendation.
• Serves as an expert resource for lenders within the Credit Union.
• May participate in projects associated with the implementation of processes and procedures.
• Underwrite in accordance with OnPoint policies and all governing state and federal rules and regulations.
• Assesses each situation's importance, urgency, and risk to make decisions and develop viable solutions to meet the member’s needs and the Credit Union’s objectives. Assesses product/loan alternatives in reaching and making loan decisions.
• Recommends ideas and solutions for process improvements and risk prevention based on observations.
• Provide prompt attention and turnaround times on all loan applications. Discuss loan denials, counteroffers, and credit underwriting for each loan evaluation with lenders.
• Maintains knowledge of OnPoint’s consumer and small business loan products.

Knowledge, Skills, and Abilities:

• Ability to analyze basic and complex tax returns and financial statements (Self-employment, Corporate, Rental).
• Ability to distinguish pertinent and non-pertinent information in situations; correlate information from varied sources.
• Capacity to comprehend, retain and apply new skills and sizable volumes of information.
• Highly proficient in identifying, analyzing, and solving completed situations or problems.
• Knowledge of basic computer skills and ability to learn and use software tools.
• Skilled at using ten-key and data entry.
• Ability to read and analyze Credit Reports.
• Ability to recognize opportunities for area of work or need for changes.
• Ability to effectively collaborate. Effective and comfortable engaging others, building rapport, and handling differences. Skilled diplomatically and constructively, responding to challenging situations, maintaining composure, and displaying patience.
• Ability to maintain confidentiality.
• Knowledge of auto pricing practices, reserve practices, auto buying, and auto financing structures.
• Ability to add, subtract, multiply, divide, and compute rates and percentages.
• Maintains working knowledge of state and federal rules and regulations in areas of responsibility, including Truth in Lending, Reg. B, CIP, FCRA, OFAC, BSA, and Military Lending Act)
• Ability to use language effectively to gather information and facilitate the exchange of thoughts and ideas.
• Values learning for self and of others – fosters a climate for learning and development.
• Exceptional research skills, ability to examine data to understand issues, draw conclusions and solve problems.
• Knowledge of OnPoint’s products, services, and procedures; including, but not limited to, loans and loan servicing, deposit accounts and servicing, Credit Cards, new memberships
• Exceptional time management skills with a solid ability to coordinate and prioritize workload in high-volume areas. Ability to work independently.
• Knowledge of business entity structures.
• Expresses self clearly and logically. Presents self genuinely and with assurance.
• Maintains thorough knowledge of OnPoint’s consumer and small business lending policies, guidelines, and practices.

• Proficient in working with XP and LPQ operating systems preferred.
• 3 years of lending experience required, with 2 years of consumer lending experience preferred.
• 4 year College degree preferred.
• Available to periodically work in the early evening hours and Saturdays.
• Experience in analyzing RE Title Report, RE Appraisals/valuations preferred.
• Experience analyzing basic and complex tax returns.