Senior Consumer Underwriter - Mountville, United States - Kellogg Community CU

Description

Join Kellogg Community Credit Union as a Senior Consumer Underwriter at our Second St.

branchAs the Senior Consumer Underwriter, you will be responsible for assessing the creditworthiness of loan applicants and making decisions to approve or deny a variety of consumer loan applications with considerable loan authority.

You will analyze financial and credit information provided by applicants to determine their ability to repay the loan in addition to promoting credit union products and services.

RequirementsReview consumer and indirect loan requests and recommend approval or denialDetermine appropriate loan amount, interest rate, and terms based on the applicants credit worthinessCalculate income and personal and business tax returnsIdentify collateral needs and payment plans for members applying for loans and assist in compliance and interpretation of supporting documentationHandle loans of highest complexity, value, and risk.

Communicate with loan officers to resolve questions regarding applicant information, collateral information, loan decision, and prepare files for closingKeep current on industry trends, regulatory changes, consumer loan guidelines, and best practices in consumer lending.

Recommend rate changes as neededEnsure that all Credit Union policies and procedures are in place and followed, advise on compliance and documentation issues.

Work with internal team members on loan policy and documentationCreate and maintain a courteous and professional relationship with internal and external membersQualifications:

Three to five years similar or related experience with a proven track record of handling complex casesStrong ability to review and analyze personal and business tax returnsStrong ability to analyze consumer credit reportsStrong knowledge of consumer lending regulations, terms and practices preferredExcellent analytical and decision-making skills, with the ability to assess risk effectivelyStrong computer skills including the Microsoft SuiteStrong attention to detail, and excellent time management skillsEffective communication skills, written and oralAbility to interact with others on a regular basis and build relationshipsCandidates must have strong availability Monday-Friday until 7pm and 3pm Saturdays.

Opening is in Battle Creek, Michigan.
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