Underwriter Ii - Township of Deptford, United States - First Harvest Credit Union

First Harvest Credit Union

Verified Company

Township of Deptford, United States

3 weeks ago

Posted by:

Mark Lane

beBee recruiter

Underwriter II

Department:
Lending

Full-Time
**Deptford, NJ

Job Summary:

Essential Duties and Responsibilities:

Prepares all Adverse Action letters for applicants who were denied credit.
Identifies opportunities to crosssell and upsell credit union lending and debt protection products to maximize loan growth and relays information to branch and call center staff.
Process home equity loans including providing required disclosures in a timely manner, ordering property searches, and property valuations as needed.
Reviews all closing documents for accuracy and thoroughness.
Responds to Quality Control issues and takes corrective action as necessary.
Determines value of collateral for secured loans and that credit union obtains perfected interest in the collateral.
Orders all required reports for real estate secured loans (i.e. property search, flood, appraisal, title report etc.) and reviews for accuracy and any issues preventing the extension of credit.
Stays current on all NMLS and Federal loan regulations and credit union policies, updating information for national database as required and completes annual SAFE Act training.
Participates in available credit union selfdevelopment education programs and required compliance courses through selfstudy, Digital University, Lending Development Training, and credit union training department.
Performs other duties or special projects as required or as assigned by a supervisor.
Adheres to the FHCU service standards as established.

Qualification Requirements

Educational/Training Requirement:

Experience:

Two (2) or more years of experience as a loan underwriter or equivalent combination of education and experience.

Licenses/Certifications:

Knowledge, Skills, and Abilities:

Thorough Knowledge of Federal lending regulations, NMLS requirements and credit union lending policy
Proficient in Microsoft Office Suite, Outlook and using the web
Excellent oral and written communication and interpersonal skills
Ability to interpret lending policies, as stated in the Loan Policy Manual, Regulation Z, etc.
Ability to interact with others in a professional manner
Ability to develop adeptness in credit union and lending software programs
Ability to work with mínimal supervision

Physical Requirements:

The physical demands require a person to remain seated for up to eight (8) hours per day and perform repetitive hand movements on a keyboard.

Americans with Disabilities Act (ADA):

First Harvest Federal Credit Union is an Equal Opportunity Employer/Veterans/Disabled