Address
Form of work- Summary
The Indirect Consumer Underwriter is responsible for analyzing credit risks, assessing credit history, and approving or denying extension of credit to a potential or current members. Responsibilities are to analyze credit data to determine the risk in extending credit, makes decisions to approve or deny the extension of credit within a set authority established by the credit union. - Essential Duties and Responsibilities: (List in order of importance the essential functions of the job and the approximate percentage of time spent on each of the activities; describe what must be accomplished, not how it must be done; include supervision or management responsibilities, quality and quantity standards, physical, mental, and perceptual functions of the job)
Calculate, analyze, evaluates, and make independent decisions on credit, income, assets, and risk for indirect and consumer loan applications.
Evaluates indirect and consumer loan applications and exercises lending authority, uses sound judgment in loan decisions that mitigate risk, adhere to credit policy and guidelines.
Communicates the decision (approvals/denials/stipulations) of credit to the appropriate parties to include indirect dealers and internal digital processing team.
Builds and maintains strong working relationships with internal departments to ensure collaboration and consistency.
Reviews funded credit applications to determine credit worthiness for additional products, such as a credit card.
Works closely with the Processing Teams to ensure loan packets are processed and funded in accordance with desired quality and service level expectations to dealers and members.
Supports the overall success of lending departments at the credit union including special projects, cross functional learning, and interim assignments. - Minimum Qualifications: (Education, Licensure, Experience, Knowledge, Skills, and Abilities)
Education:- High School diploma or GED is required
- Associates degree or an equivalent mix of education is a preferred
Licensure: Not Required
Experience:
3+ years of job related experience including knowledge with financial institutions, customer service, consumer lending and underwriting.
Knowledge, Skills, and Abilities:- Strong interpersonal communication skills, strategic and creative thinking abilities.
- Assumes responsibility for achieving results.
- Strong analytical and problem-solving skills.
- Decision making and critical thinking skills.
- Accuracy and attention to detail.
- Builds collaborative and productive relationships with dealers and members.
- Ability to thrive in a fast-paced environment.
- Adept in building rapport and deepening relationships remotely.
- Knowledge of the full spectrum of Indirect Consumer Underwriting activities.
- Ability to work a flexible work schedule, to include evenings, weekends, and holidays.
Physical Demands and Work Environment: Physical Demands and Work Environment: While performing the essential duties of this position, an employee must be able to routinely perform work on a computer for an average of 8 hours per day, or more if necessary.
Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.
This is role is Hybrid Production which means 1-3 days in-office work (more or less if needed).
This position may require travel based on business needs.
(The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform essential functions of this position and/or may be encountered while performing essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
