Commercial Loan Underwriter

Serves as the primary centralized lending officer for consumer loan decisions. Receives and evaluates customer loan requests. Acts as a resource for information regarding loan decisions , customer loan inquiries, and company lending products and services. Responsible to grant or deny loans within limits assigned and to provide the highest quality of service to our customers attempting to maximize the number of service relationships the customer has with the organization.

Receives customer loan requests, processes, evaluates and underwrites loan requests using judgment and discretion in making decisions to satisfy the customer needs. Loans outside of guidelines or approval parameters are escalated to the Consumer Lending Manager, AVP of Lending, or VP of Lending/Operations with a recommendation as to the loan decision for each loan.

Responsible for communicating loan decisions to Loan Processor(s) including the ability to discuss loan denials, loan alternatives and rate computation in a clear, concise and courteous manner.

Completes post-closing loan follow-up activities, including balancing billings for mortgage insurance, credit reporting agencies, flood certifications, and title reviews.

Cross-services customers on various organization lending products including ancillary products and other consumer loans.

Obtains and evaluates credit bureau reports, income documentation, collateral valuation reports, flood certifications, title information, and other factors relevant to the underwriting of consumer loans.

Recommends alterations or revisions to department policies and procedures as needed.

Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

5-10 years of similar or related experience, including preparatory experience

Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment.

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Job Type: Full-time

Pay: $82,281.00 - $140,000.00 per year

Benefits:

• 401(k) 5% Match
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday

Ability to Relocate:

• Ponca City, OK 74601: Relocate before starting work (Required)

Work Location: In person