Consumer Underwriter - Lexington, United States - Forcht Bank

Description

BE HAPPIER IN YOUR CAREER

As an 8-time winner of Best Places to Work (in Kentucky), we understand the importance of creating a workplace culture that gives our bankers a purpose each and every day.That purpose is to find unique ways to deliver our brand of happier banking service to customers and other employees.We're looking for self-starters, outside-the-box thinkers, customer service wizards, small business enthusiasts, and servants within their community. Notice we didn't say bankers.At Forcht Bank we value diverse and unique thinking that could help us serve our customers better. That's exactly who we are.What other banks do you know that have an Ice Cream Machine to hand out free ice cream and 18 foot tall forks outside their locations?

WHO WE ARE

While we opened our doors in 1985 offering traditional banking services, we soon realized we needed to deliver them in a nontraditional way. Financial services are a competitive industry, with over 5,000 banks and 5,300 credit unions.That's a lot. We understand that we must differentiate ourselves by offering a unique combination of banking, consisting of exceptional customer service and with a twist of great digital banking tools to help our customers manage their basic needs. This is part of our happier banking recipe. Another component is encouraging our bankers to exemplify our values daily.

We believe in:

• Giving back to our communities.
• Embracing change and evolution
• Building relationships based on trust and transparency
• Celebrating and embracing our diversity

THE PERKS

Our commitment is to grow and train happier employees, providing them with the skills to deliver happier banking and create happier customers.This is how we create happier employees at Forcht Bank:

• Competitive salary/wage
• Comprehensive benefits package to include:
• Health, Vision, & Dental Insurance
• 401(k) Retirement Plan with up to 4% Company Match (fully vested from day 1)
• Company Paid Life Insurance
• Minimum of 15 days of Paid Time Off (PTO) after 60-day introductory period
• Nine Paid Holidays, plus Birthday Leave and Community Service Leave
• Charitable donation match
• Employee celebrations
• Professional recognition
• And more

Job Summary

We're hiring a Consumer Underwriterin Lexington, KY to be responsible for underwriting consumer purpose non-residential loan requests. This individual will also prepare loan documentation, closing packages, and indexing closed loans into the bank's imaging system.

Other job responsibilities may include:

• Review and decision consumer, non-residential loan requests
• Review documentation needed to support a credit decision which includes but not limited to income documentation, personal financial information, and credit reports
• Ensure that there is pertinent information in the loan file that accurately supports the credit decision
• Formulates and communicates credit decision in compliance with Loan Policy, compliance and regulatory guidelines
• Prepare Loan Closing Documentation
• Assist with post-closing exceptions
• Monitor reporting within loan origination software to ensure all loans are decisioned in an acceptable time frame and in compliance with Regulation B requirements
• Aid in questions from other lending staff
• Maintain strong communication with Lending Staff and Compliance Department
• Assist in training new loan staff on current loan origination software

NOTE: For a complete listing of essential duties, responsibilities, and physical demands, please contact our Human Resources department. To perform this position successfully, and individual must be able to perform each essential duty and responsibility satisfactorily.

Qualifications

The requirements listed below are representative of the knowledge, skills, and/or abilities required.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Thorough knowledge of consumer loan products, policies, procedures and lending regulations
• Ability to read, analyze, and interpret industry information, customer financial statements, and tax returns.
• Broad knowledge of applicable federal and state banking regulations.
• Ability to work independently and to carry out assignments to completion within the parameters of instruction given and standard accepted underwriting practices
• Ability to deal effectively and tactfully with loan officers
• Strong attention to detail
• Ability to handle sensitive documents and other confidential information
• Proficient in the use of Microsoft Excel, Microsoft Word, Bank information systems, and Internet research.
• Ability to effectively present information to management and internal loan committees in verbal and written format.
• Ability to work with a team and members of other departments of known concepts.
• Ability to work with mathematical concepts such as ratio and trend analysis.
• Ability to define and solve problems with a variety of variables.

SCHEDULING & TRAVEL

• Ability to travel to other locations as needed.
• Must be able to work on a flexible schedule that at times may include early or late working hours or weekend hours
• Must be able to attend new hire training and orientation in Lexington, Kentucky Monday through Friday 9:00 am to 4:00 pm for a one to two week period,

Note

This document and the statements contained within it are intended to describe the general nature and level of work being performed by the employee assigned to this position.They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of the employee.

EOE

We are committed to ensure fair and equal treatment for everyone we employ and as such, we are a proud Equal Opportunity Employer.We value diversity and believe employment, training, and promotional opportunities should be available to all persons without regard to race, color, gender (including gender nonconformity, gender identity, status as a transgender individual, and sexual orientation), sex (including pregnancy), age, religion, national origin, ethnicity, physical or mental disability, genetic information, political affiliation, protected veteran status or membership in the armed services, or any other consideration that is protected by applicable federal, state, and local law.